Financial Investment Products and Services
Real Estate Investment Trusts (REITs)
A real estate investment trust, or REIT, is a company that owns, and in most cases, operates income-producing real estate. Some REITs finance real estate. To be a REIT, a company must distribute at least 90% of its taxable income to shareholders annually in the form of dividends.
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Tax-Free Municipal Bonds
Municipal bonds are securities issued by state and local governments, their agencies and authorities, often to finance public improvement projects, i.e., bridges, schools, sewage treatment plants, new roads and hospitals.
Interest income earned on these bonds is usually free of federal income tax, and under certain circumstances, free of state and local income taxes.
Our research shows that from 1940 through 2009, over 99% of all municipal bonds issued in the United States have paid interest and principal as promised.
Click here to learn about investing in tax-free municipal bonds.
Stripped Municipal Bonds
Stripped municipal securities are created when you take an interest-bearing security and “strip” the coupons off, thereby creating “straight zero coupon” and “zero coupon convertible” municipal securities.
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Zero Coupon Bonds
While most municipal bonds provide semiannual interest payments, zero coupon bonds, as their name suggests, have no coupon or periodic interest payments. Instead, the investor receives one payment — at maturity — that is equal to the principal invested plus the interest earned, compounded semiannually at a stated yield.
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Collateralized mortgage obligations (CMOs) are one of the most innovative investment vehicles available today, typically offering monthly payments of interest, relative safety and notable yield advantages over other government and fixed-income securities of comparable credit quality.
A wide variety of CMO securities with different cash flow and expected maturity characteristics have been designed to meet specific investment objectives. While CMOs offer advantages to investors, they also carry certain risks.
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Mutual funds are companies that raise money from investors and use it to purchase various investment vehicles. Typically the mutual fund’s management would purchase bonds, stocks or financial derivatives. Funds tend to buy shares in one particular class of assets dependent upon the objectives of the fund. For instance, a fund that seeks to provide income and growth might invest in stocks with a history of paying dividends and growth potential. Mutual funds usually offer the investor diversification, professional management and liquidity.
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The Accumulation Years
IRAs - This includes a broad spectrum of retirement plans including traditional IRAs, Rollover IRAs, ROTH IRAs and several group plans. Which plan is best for you?
View a selection of different retirement plans for individuals and groups.
The Pre-Retirement Years
As we enter our fifties and sixties, it is necessary to set some time aside to review our current plans and additional needs for retirement income planning. Such issues as plan diversification, plan allocation and income capability should now be addressed.
Click here for retirement income calculators.
The Retirement Years
Is the current retirement plan meeting your goals?
Are you getting the most from your retirement plan?
Contact us for a review of your retirement plan
Learn more about life insurance.
The best way to find out about what we do is to make an appointment with one of our investment counselors.
Click here for reservations to an upcoming seminar in your area.