Many financial plans include at least some weighting in stocks and/or mutual funds, and while historically equities have tended to rise in value over the long term, they carry a certain amount of risk, both for long- and short-term investors. It is therefore imperative that you have realistic financial goals and investment objectives in place before you begin to invest.
We offer a range of products that can help both seasoned and novice investors manage their investments in the way most appropriate for you given and your unique circumstances.
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Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.
Retirement is one of the key financial goals for many people. Saving early and often is important. So is taking advantage of products and accounts designed specifically for retirement.
Tax advantages are a key feature of annuities, employer sponsored retirement savings plans. Any earnings growth in these products is generally tax-deferred until you make withdrawals, generally when you are retired and may well be in a lower tax bracket.
What's more, your contributions to annuities and employer retirement plans may be made pretax or may be tax deductible, helping reduce your current tax bill.