Assist you in achieving your goals
We make available products such as stocks and bonds, government securities, annuities, and mutual funds to assist you in achieving your goals. We also make available investment adviser representatives* to assist you with your financial planning needs. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera advisory services agreement and Disclosure Brochure, as provided.
Stocks, Bonds, and Money Market Instruments
Buying a share of stock is like buying part of a company—when you buy stock, you become an owner of the company. As the company’s value grows over time, so does the value of your share of ownership, which you can later sell for a profit. Some companies even pay dividends to their stock holders, which can serve as additional income during retirement. On a daily basis, the values of individual stocks fluctuate regularly, but the market as a whole tends to rise over time.
While stocks may fluctuate in value with the rises and falls of the market, bonds tend to provide investors with a slow and steady source of income. Essentially, a bond is an advanced form of an I.O.U. You give a loan to a business, government, or municipality, and in return for your investment, they provide you with regular interest payments for a fixed period of time. When the time runs out, the bond is said to have matured. On maturity, the bond holder is returned the original amount loaned, called the face value. Bonds can increase or decrease in value too, relative to interest rates. A government security is a bond that is issued by a government.
An annuity is a type of investment product that provides the individual with either a fixed or variable stream on income. They were designed to provide consistent income to individuals during retirement, freeing them from the concern of outliving their assets. Depending on the structure of the annuity, the annuity holder will regularly receive either a fixed payment, or a payment that is tied to the market growth rate.
Investing in a mutual fund is similar to letting someone else invest your money, while still providing you with returns. Unlike most annuities, the returns on mutual funds are directly tied to the growth and return of the portfolios of stocks that the funds’ managers invest in. Mutual fund managers do not just invest in one or only a few stocks. They spread the investments through a diverse array of stocks, reducing the risk of the investment and providing steadier growth of assets.
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Give us a call us at 757-898-0089. We’d be happy to assist you with your investment, insurance, or wealth management needs!
*Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
**For a comprehensive review of your personal situation, always consult with a tax or legal Adviser. Neither Cetera, nor any of its representatives may give legal or tax advice.
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/ SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com
NOT A DEPOSIT.
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
INVESTMENTS ARE NOT NCUSIF INSURED MAY LOSE VALUE.
NO CREDIT UNION GUARANTEE.