Account Types
Advisory or Separate Managed Accounts: fee is collected quarterly or monthly as a
percentage of account value. We have a wide variety of institutional money managers available. Minimum advisory account balances start at $10,000.
Traditional Brokerage: Transaction fee account;
fee(s) charged can vary with each transaction and the investment purchased.
Retirement Planning
Retirement Planning
Retirement Planning
Individual:
IRAs & Roth IRAs
Business:
401k, 403b, 457, SoloK
SEP, SIMPLE IRAs
Insurance
Retirement Planning
Fixed Income
Term
Permanent
Indexed Universal Life (IUL)
Guaranteed Universal Life (GUL)
Universal Life (UL)
Variable Universal Life (VUL)
Whole Life (WL)
Fixed Income
Education Savings
Fixed Income
Bonds
Issued with a fixed period, interest is usually paid during the term of the bond monthly / quarterly / annually. At maturity, the principal value of the bond is paid.
Government / Municipal Issued Bonds
A bond offered by a government agency or municipality to support public spending.
Corporate Bonds
Issued by Corporations, the company agreeing to pay interest on the principal until the bond matures.
Certificates of Deposit (CDs)
CDs offer a guaranteed return when
you keep your money in the account
for a set amount of time.
Education Savings
Education Savings
Education Savings
529 Plans
A 529 plan is a tax-advantaged savings plan designed for future education costs. Legally known as “qualified tuition plans,” are sponsored by states, state agencies, or educational institutions and are authorized by Section 529 of
the Internal Revenue Code.
There are two types of 529 plans: education savings plans and prepaid tuition plans.
The person who opens the 529 plan account is the account holder. The person the account is opened for is called the beneficiary or the student.
With the passing of Secure 2.0, there is the possibility of converting unused funds into a Roth IRA for the beneficiary - let's talk further if this can be a fit for your planning.
Annuities
Education Savings
Education Savings
Variable
A tax-deferred insurance contract designed for retirement income. The value of a variable annuity fluctuates based on the performance of the market.
Often consist of stocks, bonds
and money market funds.
Fixed Index
A fixed indexed annuity is a tax-deferred option that is tied to a pre-selected index.
Fixed
Stable payouts that can supplement income. This can also provide ongoing savings when other assets run out.
Immediate
Started with one initial contribution, it is then converted into an ongoing, guaranteed stream of income for a fixed and specified period of time.