Investing is serious business; complex and time consuming. Few people have the time or ability to keep pace with investments. Our investment professionals can help you develop a personal investment strategy to help you achieve your goals.
| Investing for Retirement |
Investing for RetirementWhat’s more important than planning for your future? Now more than ever it’s important to plan for what you need for tomorrow. We’ll help you sort through the alternatives. Traditional IRATake advantage of tax-deductible contributions and build your assets on a tax-deferred basis. Roth IRAThe main advantage of a Roth IRA is its tax structure. While you cannot deduct contributions to a Roth IRA, qualified distributions are tax free if you satisfy specific requirements. Rollover IRAEasily transfer your current retirement assets into a new account that you have control over, whether you have changed jobs, retired or are receiving a lump-sum distribution from a company sponsored retirement plan. AnnuitiesAn alternative to a retirement savings plan, annuities offer the benefits of tax-deferred growth with the withdrawal flexibility at retirement, along with a variety of income choices. A 10% IRS penalty may apply to withdrawals prior to age 59 1/2. Contact Us for more information, or to schedule a consultation. |
| Investing for Education |
Investing for EducationHow will you provide for the education your children deserve? One of the best gifts you can give your children - or grandchildren - is a college education without the financial burden of loans they’ll have to repay in the early years of their careers. We’ll help you explore a lot of options. 529 College Savings PlansInvest a small or large amount to shift a portion of your estate to future generations, or fund your own higher education if you’d like! You’ll have high annual contributions limits, plus earnings and withdrawals are tax free, as long as funds are used for qualified expenses. Coverdell IRAFormerly known as an Education IRA, these plans allow you to invest tax free up to $2000 per beneficiary per year if you use the money for qualified educational costs. UTMA / UGMA accountsThese types of accounts allow you to give unlimited gifts to a minor including cash, mutual funds, life insurance, annuities and more. While you are still the custodian for this account, the account has the child’s social security number attached to it, providing some income tax benefits. Additional funding sourcesInvestment Professionals can discuss other ways to invest for education, including:
Contact Us for more information, or to schedule a consultation. |
| Protecting Your Assets |
Protecting Your AssetsHow can you be sure you have enough to fully protect your most important asset – you? Like many people, you probably have insurance to protect tangible assets, like your car and home. Let our investment professionals help evaluate your situation to give you peace of mind protection. Term InsuranceThis guarantees a fixed benefit if the policyholder dies during a set period of time. It is also considered the preferred option to protect your life for a specific period of time (such as until children reach a certain age, or to pay for their college expenses or your mortgage if you should die). Term life insurance may provide the most affordable type of insurance for you. Whole Life InsuranceWhole Life provides you with a guaranteed death benefit and a guaranteed rate of return on your cash values. You pay a set premium that is guaranteed to never increase. Consider whether a whole life insurance policy will help meet your objectives, such as providing lifetime income for your surviving spouse, estate liquidity, "death" taxes, or funding retirement. Universal Life InsurancePart insurance and part asset accumulation, a universal life policy has flexibility and allows you to adjust the premium payments, premium amounts, and value of the death benefit. Use the tax-deferred accumulation for college tuition, making a major purchase, or supplementing your retirement income. Variable Universal Life InsuranceIn this type of policy, the cash value may be invested in a wide variety of accounts that are linked to stock and bond portfolios. The flexibility of this policy contrasts whole life insurance, which has fixed premiums. Variable universal life insurance may be an appropriate alternative if you are looking to address your long term insurance needs with an investment component. Long-Term Care InsuranceThe average cost of nursing home care can exceed $50,000 per year. After age 65, Americans have more than a 70% chance of needing some form of long term care insurance (LTCI), according to the American Society of Aging. Long-term care insurance allows you to remain independent and in the life style you've grown accustomed to. Like any insurance product, LTCI allows the insured to pay an affordable premium to protect from an unaffordable catastrophic event. The purchase of long term care insurance varies based upon your age at the time of application, prior and current health conditions, benefits you select, and number of years you want a company to pay benefits. Payment comes in a variety of options. Disability Income InsuranceThis insurance provides peace of mind and family income for a specific amount of time should you become sick or injured and unable to work. The amount and time frame of your disability income insurance program varies from individual to individual. Contact Us for more information, or to schedule a consultation. |
| Investment Management |
Investment ManagementWhen you have significant dollars to invest, you need to be sure your returns are competitive and consistent with your ability to assume risk. We will match you with an investment professional that understands the marketplace and helps move your objectives forward. Our goal is to help you meet your objectives. We’ll work with you to build a comprehensive investment strategy, and save you time and money by reviewing your retirement, estate, and charitable planning objectives. And, we will help you plan distributions in a way that will minimize your income tax and your estate tax. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services nor any of its representatives may give legal or tax advice. Contact Us for more information, or to schedule a consultation. |
| Professional Asset Management/Asset Allocation |
Professional Asset Management/Asset AllocationYour investment goals and needs are unique. With the help of an investment representative you can work toward reaching your objectives through a variety of personalized programs. Your investment representative will work with you to understand your needs develop your own investment strategy, design your portfolio, implement your financial plan, review your portfolio on a regular basis and more. A wide variety of customized programs exist but with an investment representative working on your behalf, you'll have the strength and support you need to professionally manage your assets and work toward your long-term financial goals for a convenient quarterly asset management fee. Choices and BenefitsOur asset management programs are sophisticated, flexible and competitive, and provide you with a full array of features that include:
Contact Us for more information, or to schedule a consultation. |
| Personal and Charitable Trusts |
Personal and Charitable TrustsWe can help you preserve and enhance your organization for future generations with a uniquely designed trust. Besides a variety of trust services, we give you the personal attention and expertise to analyze your distinctive circumstances, before making specific recommendations.
Contact Us for more information, or to schedule a consultation. Trust services offered through ING National Trust. |
Cetera Investment Services LLC is a registered broker-dealer, member FINRA/SIPC, and is not affiliated with Citizens Independent Bank or its related companies. Securities, insurance products and advisory services offered by Cetera Investment Services: • Not FDIC insured • May go down in value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency
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Cetera Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
Advisory services may only be offered by an Investment Adviser Representative in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided. Registered address: 5000 West 36th St, St. Louis Park, MN 55416.
Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera, nor any of its representatives may give legal or tax advice.
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