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Stocks and Bonds

Common stock, or equity, may be defined as the residual ownership of a corporation that is entitled to all assets and earnings after other claims have been paid and that generally has voting control.

Bonds, or fixed-income investments, generally promise the investor a stated amount of income periodically and in most cases also promise to pay the face amount at its maturity.

Mutual Funds

Mutual Funds are registered investment companies that offer investors (shareholders) an interest in a portfolio of diversified investment assets.

A number of advantages are given for investing in mutual funds. First, by pooling their investable capital, smaller investors are able to enjoy a degree of diversification they could never achieve on their own. Second, mutual funds may offer experienced professional management to select and manage the securities in which the funds' resources will be invested. Third, mutual funds offer convenience and marketability through the funds' obligation to redeem their shares. Fourth, mutual funds provide investors with a reasonable investment unit size so that many persons can invest in them. And lastly, fund distributions normally can be reinvested systematically and investors' holdings can usually be liquidated systematically.


In its simplest form, a Life Annuity involves an individual paying an insurance company a specified sum (called the annuity consideration or premium) in exchange for a promise that the insurer will make a series of periodic payments to the individual (called the annuitant) for as long as he or she lives. Thus, the basic purpose of any life annuity is to assure the annuitant an income he or she cannot outlive.

Wealth Management

Wealth Management is the process of maximizing the after-tax return on invested capital in the most efficient manner. This concept may involve financial planning, estate planning and/or tax planning.

Financial Planning

Financial Planning is the development and implementation of total, coordinated plans for the achievement of one's overall financial objectives.

Estate Planning

Estate Planning can be defined as arranging for the transfer of a person's property from one generation to another so as to achieve, as far as possible, the person's objectives for his or her family and perhaps others. In our tax-oriented economy, tax minimization often is an important motivator for estate planning. Tax saving, however, is not the only goal of estate planning and should not be overemphasized.

Tax Planning

Tax Planning is a systematic approach to attempt to reduce the impact of the various taxing authorities and may involve one or all of the following techniques: (1) eliminating or reducing taxes; (2) shifting the tax burden to others; (3) allowing wealth to accumulate without current income taxation and postponing taxation; (4) taking returns as capital gains; and (5) deferring, and perhaps even eliminating, potential capital gains in appreciated property.

Legal Services

Group Legal Plans for employees is a rapidly growing concept in today's increasingly complex consumer environment. American Bar Association statistics show that the average middle-income person has two or three legal needs every year. But the fear of expensive legal fees or simply not having an attorney to call are typical impediments to these needs being met

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