Here are some account categories to help you better determine your financial needs:
Individual: A taxable account in the name of one individual.
Joint with Rights of Survivorship: A taxable account for two or more individuals.
Individual Retirement Accounts (IRAs): Tax Qualified Account, meaning deposits and earnings may be nontaxable, subject to IRS rules.
Roth IRAs: Deposits to a Roth IRA are made after tax, but earnings and withdrawals from the account are nontaxable under certain restrictions.
Transfer on Death: Available for both individual and joint accounts, Transfer on Death accounts include designated beneficiaries to whom the assets in the account roll without probate upon the death of the owner.
Trust accounts: Established using trust documents, trust accounts ensure that investable assets receive the same protections as other assets.
Custodial accounts: An account established for a minor whereby the custodian is the controlling agent on the account; the minor is the legal owner.
Get to know our products
Whether your goal is to gain tax-deferred income, own shares of a company or save for your grandchild’s education, we offer an investment solution to help you get there.
Mutual Funds: These products enable an investor to achieve a more diversified portfolio with fewer individual investments. Each mutual fund has a stated investment objective and professional management.
Variable Annuities: Designed as a longer term investment with exposure to stock market fluctuations, a variable annuity offers tax-deferred earnings.
529 Plans: A 529 plan allows for the prepayment of qualified higher education expenses at eligible educational institutions. When the funds are withdrawn for eligible uses, they are not subject to Federal income taxes.
Equities: With equities, you own shares or stock in an individual company. These securities are traded on exchanges such as NASDAQ. Owners of equities have certain rights, such as voting, dividends, etc.
Bonds: Bonds represent a loan made to a specific issuer with a stated interest rate, scheduled interest payments and maturity date for repayment of principal amount. Bonds are typically held to maturity but frequently can be traded in secondary markets.
Exchange Traded Funds (ETFs): Is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock on a stock exchange. ETFs experience price changes throughout the day as they are bought and sold. ETFs typically have higher daily liquidity and lower fees than mutual fund shares, making them an attractive alternative for individual investors. Because it trades like a stock, an ETF does not have its net asset value (NAV) calculated once at the end of every day like a mutual fund does.
Existing clients – View your account information here