Asset management is a complex and multifaceted ongoing process. Bringing a wealth management firm on board lets you continue living your life while having the peace of mind that comes from knowing that your financial planning is in skilled hands.
We help you understand your investments and how to yield results that are in line with your long-term goals. We assist our clients in diversifying their investments and building valuable portfolios that deliver increasing returns in the years to come.
We take pride in developing and maintaining long-term relationships with our clients, so you can rest assured that we will be there with you every step of the way. Our experienced professionals will maintain flexibility so that your personal wealth management plan will have the best opportunities for growth, and will also take on risk management.
This removes the uncertainties from asset management for you. There is no need to take uninformed or dangerous chances with your investment portfolio or any other assets. There are only advantages to hiring our skilled wealth management firm, and here are some of the services that we will provide you with and help you understand.
Bonds: Bonds are a type of investment where the investor loans money to a corporation or government. Bonds have a predetermined repayment date and a fixed interest rate.
Government Securities: This low-risk security is a type of bond issued by a government entity; the government will repay when the bond matures.
Treasury Bills: Also known as T-bills, these can be sold for terms lasting up to 52 weeks. When the bills mature, the investor will receive their face value, regardless of how much she paid initially.
Treasury Notes: A treasury note is a government-issued, fixed-interest security. Investors can buy treasury notes with either competitive or noncompetitive bids, and the notes have a maturity time of one to ten years.
Common Stock: This type of security gives an ownership share of a corporation to the investor. Common stock holders can participate in corporate governance by voting.
Educational IRA: This form of IRA serves as a savings plan for college and other higher education; when a child is under 18, guardians can make nondeductible contributions, and when funds are withdrawn for education, the withdrawal is not taxed.
Traditional IRA: Traditional IRAs are used to save for retirement funds. A person can make tax-deductible contributions, and the traditional IRA funds will not be taxed until distribution.
Roth IRA: Another way to save for retirement, Roth IRAs have the benefit of tax-free withdrawals. They must be funded with already-taxed income.
SEP IRA: A “simplified employee pension individual retirement arrangement” is an IRA that business owners can use to save for and give retirement benefits to all employees of the business (as well as for the owners themselves).
Simple IRA: Another option for people employing others or themselves, employees with this kind of IRA can contribute wages to it before the wages are taxed
If you aren’t already familiar with the basics of a 401(k) plan, it is an employer-created entity to which employees can make salary-reducing contributions. Employers must then make either matching or “non-elective” contributions. Earnings within a 401(k) are tax-deferred.
401(k) plans are popular as they afford a number of different investment options and are relatively low-cost to maintain. Contribution limits can also grow over time
Variable annuities are a mechanism allowing investment in smaller “subaccounts,” including bonds and stocks.
This kind of annuity contract lets an investor gather tax-deferred capital. It is different from a fixed annuity because it does not guarantee interest rates or minimum payments. Instead, since variable annuities allow investors to invest in equities and bonds, they can therefore possibly generate higher returns than fixed annuities.
The possible risk of variable annuities is that subaccounts may not generate higher returns than fixed annuities may guarantee. The investor takes the chance of less capital accumulation under these circumstances.
PRIZM FINANCIAL ADVISORS
1745 South Naperville Road, Suite 200
Wheaton, IL 60189
Phone: 630-665-4848
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Please be advised that presently, Mark Perkins holds Series 7, 63 & 65 in IL and Andrew Andersen holds 66 licenses in IL. For residents of other states in which registration is not held, proper licenses and registrations must be obtained from Mark Perkins or Andrew Andersen before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation.
Securities offered through Center Street Securities, Inc. (CSS), a registered broker-dealer, Member FINRA/SIPC. 2740 Old Elm Pike, Nashville, TN 37214, (888) 690-3580. Investment Advisory Services offered through Brookstone Capital Management (BCM), a Registered Investment Advisor. PRIZM Financial Advisors, Inc., BCM, and CSS are independent entities. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by BCM.
The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.