Stocks/Equity Securities
Our investment advisors work with trading specialists to be aware of and provide appealing investment opportunities across different sectors and industries. Our electronic trading systems used for stock transactions provide us with a comprehensive and effective network of buyers and sellers by connecting us with market-makers across the nation. With this trading technology, we are able to provide fast order execution with careful price accuracy for our clients.

Bonds/Fixed Income Securities
We provide clients with a broad offering of securities and issues in the debt market to reach specific income and total return objectives.

Our Fixed Income desk makes available a substantial assortment of tax-exempt municipal bond issues including fixed and variable rate bonds as well as municipal bonds that are traded in secondary markets.

Our Taxable Fixed Income Desk also makes available an array of investment options including:

- U.S. Treasury & Agency securities
- Mortgage-backed securities
- Corporate bonds
- Certificates of Deposit

Mutual Funds & Other Funds
With insights on asset allocation, market dynamics, and a substantial selection of quality mutual funds, we enable clients to reach their investment objectives. Our technology boasts a broad array of mutual funds and money market funds across the full spectrum of asset classes.

We also provide exchange-traded funds and closed-end funds to meet varying client needs for indexing or sector assess. In addition, we provide Unit Investment Trusts to fit different financial plans.

Exchange Traded Funds (ETFs)
Similar to Mutual Funds, ETFs offer investors the ability to invest in a pool of securities or other assets. Shares of ETFs can be traded throughout the day like stocks on a securities exchange instead of only trading at the close of the day like Mutual Funds. Many ETFs track an index which is an attractive option for many investors. Our advisors will work closely with you to determine if ETFs have a place in your unique portfolio.

Alternative Investments
In addition to the investments described above, some clients may find that holding other types of investments such as tangible assets, real estate, or commodities will strengthen their individual portfolios and help them reach their personal financial objectives.

Education Planning
The first step toward education planning is forecasting the educational costs of your children and/or grandchildren. Our team of advisors considers several different factors when putting together an educational planning strategy for you including: tax implications, time frames and individual risk tolerances. Advisors will help you understand and determine the appropriateness of student loans or financial aid if needed. There are two basic approaches to educational funding:

- Lump-sum investment: builds capital with compounding interest
- Periodic investments: with dollar cost averaging

Typical educational planning investment vehicles may include:
- Custodial Accounts
- Coverdell Education Savings Accounts
- 529 Plans
- Tax Credits

Retirement Planning
Being able to retire securely and comfortably is a large concern for most people. Our advisors can help you achieve your retirement goals with their expert knowledge in retirement investment and income planning, different investment vehicles and tools that can be used for retirement planning and their advantages and disadvantages.

We can provide solutions tailored to your individual needs including:

Individual Retirement Accounts (IRAs)
There are many different types of retirement accounts, each differing in the way you contribute, earn, and withdraw funds. For example, in a Roth IRA funds are invested after tax, so funds are withdrawn without having to incur federal taxes. A traditional IRA allows funds to be invested tax-free, with federal taxes being incurred upon withdrawal.

There are other types of IRA’s that individuals may use depending on specific types of employment or other factors. Your advisor will help you consider the differences among these types of accounts and choose the one that best enables you to reach your retirement goals.

Annuities
Our advisors can help you choose from top rated fixed and variable annuities that yield tax-deferred growth. Annuities provide a way for you to meet your objectives for compound interest earning and a consistent income for as long as you live.

Insurance
Our financial advisors will help you evaluate a variety of life insurance solutions that best meet your personal situation and future goals. Life insurance can be an efficient way to reach estate-planning objectives, enable a charitable gift, and financially secure your spouse and family.

An advisor will consider your life expectancy, inflation, rate of return on investment, and expenses when selecting the optimal life insurance plan for you.

Estate Planning
Our advisors will work with you to prepare for the unexpected. We will work together to secure your future finances by making the right arrangements today for your personal assets. An estate plan may include:
- Naming a guardian for minor children
- Inheritance
- Caring for a physically or mentally ill spouse
- Creating a will
- A basic living trust
- Bypass trust
- Irrevocable life insurance trust
- Additional trusts to meet a variety of different needs.