Investment Vehicle Options
The list of investment planning options is almost endless. Because of how our open architecture structure we are able to offer a variety of options to our clients which are determined by first going through the financial planning process. The following options are general in nature, but will give you a good overview of how we can help you invest your money.
Asset Management (Assets under Management)
With this approach your money can be invested in a lot of different ways. The fee's are based upon your portfolio balance as outlined below.
Adviser Fees charged to manage your investments*×
*Additional Money Manager, 12b1, and Expense Ratio Fees may apply
$0 -$1,000,000 0.75%
$1,000,000 - $5,000,000 0.65%
Over $5,000,000 0.40%
Brokerage Accounts (Stocks, Bonds, ETF's, etc.)
With this option you have the ability to invest in a large selection of investments. There are trading and account fee's for this type of account which are dependent on account size and how you trade the investments.
Variable annuities can be used for both qualified (IRA) & non-qualified (after-tax dollars) investing. They have a couple layers of fee's and should be thoroughly explained to you before investing in them. There are fees, expenses and risks associated with the contract. Please be aware than assets allocated to the investment divisions are subject to market risks and will fluctuate in value.They certainly can have a fit in one's financial situation, but should be looked at as part of a larger financial plan.
Perhaps you are looking to invest your money directly in a specific mutual fund, we have selling agreements with multiple mutual fund families. The costs associated with investing in mutual funds will vary depending on the fund family, share class, and amount of money invested. If we determine a mutual fund is right for investing your money we will be able to tell you exactly what the costs will be before you invest.
Depending on your financial situation & needs there are a variety of low risk investment options available to invest your money. These range from CD's (through a brokerage account or even your bank), fixed deferred annuities, income annuities, and even permanent life insurance. All of these products carry their own fee's which we can easily explain to you should we determine they are appropriate for your situation.
Have specific questions? Not sure where to start? Please contact us for an introductory chat!