Wealth Management
Stocks
Stock consists of the shares of which ownership of a corporation or company is divided. A single share of the stock means fractional ownership of the corporation in proportion to the total number of shares
Bonds
Bond is a type of security under which the issuer owes the holder a debt, and is obliged – depending on the terms – to repay the principal of the bond at the maturity date as well as interest over a specified amount of time.
Mutual Funds
Mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities.
ETF
An exchange-traded fund is a type of investment fund and exchange-traded product, i.e. they are traded on stock exchanges
Fee-Based Management Accounts
In fee-based investment accounts, advisors and the investment or mutual fund dealers they work for will typically charge an account fee for advice, access and service directly to the investor. This fee is usually disclosed and arranged up front, and is often based on the assets in your account.
Fixed Annuities
Fixed annuities are insurance products which protect against loss and generally offer fixed rates of return. The rates are typically based on the current interest rate environment.
Variable Annuities
Variable annuities are insurance products which variable rate of return changes with the stock, bond and money market funds that you choose as investment options.
Indexed Annuities
Indexed annuities have characteristics of both fixed and variable annuities. Indexed annuities offer a minimum guaranteed interest rate combined with an interest rate linked to a market index, hence the name.
What Are The Benefits To An Annuity?
- Option of Principal Protection
- Potential For Lifetime Income
- Tax Deferred Growth
- Unlimited Contributions
- Large Array of Investment Options
What is A Fee-Based Managed Account?
With fee-based asset management, clients pay for financial advice based on the value of their investments – not on the number of transactions that occur. Some investors may prefer this type of account because of the ability to minimize conflicts of interest and removes the possible perception that advice is in some way influenced by the commission made on the transaction. In many ways, fee-based asset management aligns the investor’s and adviser's goals; if the investor's assets grow, adviser compensation increases, and, if assets decline, the adviser’s revenue is reduced.
How Stocks Work
Mutual Funds vs. ETFs
Immediate vs. Deferred Annuities
