Investment planning requires the right combination of products to meet both your short and long-term goals.
There are many options for investment products. Common types include:
When you purchase stocks you are purchasing a portion of a publicly traded company. Stocks may fluctuate more in the short-term, but historically are known to have higher rates of return over time.
A bond is a fixed income investment and functions as a loan to a government or institution looking to raise capital. Bonds are lower risk than stocks, but historically have lower returns.
A mutual fund is a professionally managed fund of pooled money from many investors that allows you to diversify and invest in hundreds or thousands of individual securities at once.
EXCHANGE-TRADED FUNDS (ETFs)
An exchange-traded fund is a grouping of securities that trades on an exchange, like a stock, but contains multiple types of investments including stocks, commodities, and bonds.
529 plans are college savings plans that offer tax and financial aid benefits. They can also be used to pay for K-12 tuition.
An annuity is an agreement between you and an insurance company. It requires the company to make payments to you, either now or at a later date. The contribution you put into the annuity results in a guaranteed income stream for you.
BROKERED CERTIFICATES OF DEPOSIT (CDs)
Issued by banks, brokered CDs are purchased in bulk by securities firms and sold to clients through financial advisors. Investors receive a periodic account statement detailing their CD holdings.
INSURANCE AND LONG-TERM CARE
In addition to life insurance we provide long-term care coverage which can help ensure you won’t run out of money toward the end of your life.
LENDING (CONNECT PEOPLE WITH MORTGAGES, LINES OF CREDIT)
Whether you need a mortgage or line of credit for a home-improvement, we can help you navigating your lending options.
futures and commodities
Futures contracts are legal obligations to trade a commodity or security at a future date. The buyer and seller agree to purchase and deliver, respectively, the commodity or security at a predetermined future date and price.