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Fixed-Income Securities
To make sure that you and your Financial Consultant
have access to securities that meet your needs, we maintain a comprehensive
inventory of government, corporate, and municipal bonds, certificates
of deposit, and Market Index CDs. Interest
on municipal bonds is exempt from federal income taxes, and usually
from the income taxes of the issuing state.*
If you’re in the 36% federal tax bracket, you’d
have to find a taxable investment paying 7.81% to match a tax-exempt
municipal bond paying 5%. If the municipal bond were also exempt
from state taxes, your taxable equivalent yield would be even higher.
If you like, we can design a portfolio to provide
an interest check every month. To plan for future needs like education
funding or retirement, we can design a bond ladder with staggered
maturities to provide income and principal when you need it.
* Consult your tax advisor on state and local
taxes.
High Net Worth Municipal Bond Program
This exclusive program is designed to help investors
with large portfolios of municipal bonds take full advantage of
one of the few remaining tax shelters.
The centerpiece of the program is a complete
analysis of your holdings, provided each quarter as a series of
reports. The Income-Flow Analysis, for example, includes a breakdown,
by month and by bond, of the income generated by your portfolio.
The Maturity Alert Report shows bonds that will be maturing in the
next 30, 60, and 90 days, to assist you and your Financial Consultant
in planning. Additional reports include yield analysis, coupon analysis,
and more.
Certificates of Deposit
Choose from our nationwide Certificate of Deposit
inventory, offering attractive yields with six-month, one-year,
and longer maturities. We act as an agent in offering CDs insured
(up to $100,000 per account) by FDIC. The minimum investment is
$5,000.
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Market Index CDs*
The Market Index CD is a unique investment that
gives you the opportunity to achieve stock-market-like returns without
risking your principal.
These CDs are backed by one of America’s most
well known and financially sound banks. On Market Index CDs held
to maturity, the issuing bank offers you:
- FDIC-insured principal (up to $100,000).
- 100% of the upside of the stock market, as
measured by the S&P 500 Price Index.
- None of the downside of the stock market.
If you would like to be invested in the stock
market, but are afraid of losing money, the Market Index CD may
be the investment for you.
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