Investment Management and Portfolio Design
Buy low, sell high. Sounds like it should be simple, right? In reality there is much more to investment management!
Our experienced wealth managers are dedicated to working hard for you, drawing on their knowledge to design innovative portfolios aligned with your goals. Your goals and intentions with your money inform the decisions to be made about various investment and savings vehicles. Our portfolio management services shine because of our experience in asset allocation and portfolio design. We develop diversified portfolios focused on mitigating risk and lowering investment costs.
These are just a few of the investment vehicles on which we advise:
- Portfolio Management
- Traditional IRA/Roth IRA/Inherited IRA
- SEP IRA/Simple IRA
- 401k/403b Planning
- 529 Plans
- Fixed Annuities
- Indexed Annuities
- Variable Annuities
The Annuities Specialists
Annuities are one of the most misunderstood, misrepresented and misused investments. The advantages of income tax deferral, asset protection and guarantees, and the specifics of living and death benefits are crucial to understand for each different type of annuity. There is knowledge required to protect against market risk and to prevent negative tax consequences.
Our firm is located in Florida, which is one of the very few states with no limit on protecting annuity values from creditors. This means that annuities are an important investment vehicle that shouldn’t be ignored for Florida residents seeking to protect their assets.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.
Statements and claims regarding ‘experts’ or ‘expertise’ are not endorsed by LPL Financial and should be based on each financial professional’s experience and educational and/or professional credentials.
No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.