Archives: Project

Actively managed accounts provide you access to money managers and products that may not be available in regular brokerage accounts. Managed accounts can hold a wide variety of investments, including ETFs, mutual funds, individual stocks and bonds, all within one account.

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Different types include: Term and Whole Life, Variable and Universal Life, Long Term Care, and Disability. Insurance can be used as a tool in financial planning to protect accumulated wealth, reduce potential liability, legacy planning, charitable giving, and as a tax-advantaged investment.

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Bonds can be taxable corporate bonds or tax-advantaged municipal bonds. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield. No strategy assures success or protects against loss.

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Traded REITs provide clients with a potential income stream and possible long-term capital appreciation. Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

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Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

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Alternative investments include hedge funds, managed futures, real estate, commodities and derivatives contracts. Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

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Convertible bonds are subject to the risks of both stocks and bonds and are not suitable for all investors. These bonds can fluctuate in value with the price changes of the company’s underlying stock. If interest rates rise, the value of the corresponding convertible bond will fall.

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Indexed CDs returns are tied to an index and usually have a cap, or maximum return. Although the principal is FDIC insured like any other certificate of deposit (CD), there is no guaranteed return and the investment is locked in for a period of time, such as 5 or 7 years or longer.

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We always start with a core diversified portfolio.  For some clients, it may be appropriate to utilize strategic and/or tactical stock strategies as well.  Stock investing involves risk including loss of principal. No strategy assures success or protects against loss.

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