Investments
Mutual Funds - Mutual funds are primarily used for our clients to get exposure to a certain sector of the stock market, or to track a major index while helping us eliminate single stock / business risk. The price of a mutual fund does not fluctuate during market hours, but is calculated at the end of trading based on its net asset value (NAV). With our primary custodian Charles Schwab & Co, we are able to offer hundreds of No load, no fee mutual funds to our clients.
Exchange Traded Funds - Depending on the investor, exchange traded funds or ETF’s are primarily used for our clients to get exposure to a certain sector of the stock market, or to track a major index while helping us eliminate single stock / business risk. ETF’s fluctuate in value during market hours, and trade just like an individual stock would on the market. A majority of the ETF’s that we use have no transaction fees, however will carry a small internal expense ratio.
Individual Stocks - Depending on a client’s overall strategy, risk tolerance, and understanding of the market we may have have stocks take up anywhere from 20% to 100% of an overall portfolio. Individual situations, reasons and strategies of course vary. Most commonly, an individual stock portfolio creates the highest opportunities for aggressive investment growth, along with a higher amount of volatility and risk.
Annuities - Fixed annuities and fixed indexed annuities are products that allow us to create growth while protecting our principal value of money. Fixed indexed annuities in particular will participate in the upswings of the market or underlying index, and will not lose principal value in a downturn. Annuities can be used as a tax deferred long term savings and growth program, or can be used to create income for yourself in retirement. Annuities are typically for the more conservative, to moderate conservative minded investors.
Life Insurance - Life insurance pays out a lump-sum of money on the death of the insured person or people. While this is the primary purpose of life insurance, there are many living benefits to owning permanent life insurance for yourself. If structured properly, this product can provide tax free cash when you need it, or be a supplement to your retirement income. It can also be a strategic stepping stone in business funding, business planning or succession planning.
Market Guard - A proprietary investment methodology that utilizes a non-emotional, methodical, mathematical approach to investing. Check out the Market Guard Tab to learn more.
Regular Assets under management pricing
*For details on pricing, please contact an advisor directly. Pricing may vary, and is negotiable under certain circumstances.