Investment Options

Annuities

A tax-deferred insurance product, annuities provide a steady stream of income at retirement.

• Establish retirement income for a specified amount of time or for life
• Plan for a death benefit payable to your beneficiary
• Grow earnings tax deferred, and pay ordinary income tax for distributions

Asset Management Account

An Asset Management Account helps you meet your transactional needs while putting remaining funds to work by "sweeping" them into your brokerage account.

• Select automated sweep to designate a minimum and maximum account balance, with the remaining funds swept into your brokerage account each night
• With the automated zero-balance sweep, choose to have all Asset Management funds deposited into your brokerage account nightly
• Opt for self-directed sweep to choose when to transfer cash between your Asset Management Account and your brokerage account

Bonds

Bonds are a conservative way to invest, providing security and a steady source of interest income.

• Take advantage of an investment more stable than stocks
• Choose from options including US Treasury, municipal and corporate bonds
• Benefit from certain bonds that may be free from federal and/or state taxes

Exchange Traded Funds

Exchange Traded Funds (ETFs) are perfect for investors who want the diversification of a mutual fund and the liquidity and purchasing power of a stock.

• Invest in a basket of securities available in virtually every asset class
• Buy or sell on the stock exchange at any point in the day
• Take advantage of lower fees and flexible buying and selling options

Market-linked Certificates of Deposit (CDs)

Issued by a bank, these CDs offer FDIC protection and an opportunity to participate in the upside of the stock market.

• Benefit from the security of up to $250,000 of FDIC insurance
• Know that performance is tied to an index, such as the S&P 500
• Invest in funds that are not liquid and that require a long-term commitment

Mutual funds

Professionally managed, mutual funds enable you to build a diverse investment portfolio.

• Rely on a professional fund manager to monitor and manage investment performance
• Choose from an almost endless variety of equity, bond or cash options based on your goals and objectives
• Buy or sell your fund at market close—funds are priced once daily

Stocks

Stocks can be a valuable part of a diversified portfolio, particularly for anyone who wants to own shares in a specific public corporation.

• Benefit from the possibility of increasing corporate earnings and stock prices
• Enjoy income that typically comes through regular dividends
• Enjoy the flexibility that comes with purchasing stock online through a financial consultant

Managed accounts

Would you like to have expert guidance on your investment decisions? Our Managed Money Account is designed for anyone who wants a professionally managed and monitored portfolio.

• Get investment options afforded to larger investors
• Open your account with as little as $50,000
• Pay a low annualized management fee

Unit Investment Trusts

Consider Unit Investment Trusts (UITs) for capital appreciation or dividend income in a diversified, static portfolio.

• Access this investment with low purchase minimums of typically 100 units or $1,000
• Know what you are investing in with a fixed investment portfolio and a definitive termination date
• Redeem when the UIT terminates or sell at any time at current market value