Financial Services

You work hard for your money, and it should work just as hard for you. The right financial solutions can help you get there—and can help protect you from unnecessary exposure to risks.Not every financial solution is right for your goals. If you need a little help sorting through all the different products, don’t worry, you’re not alone. Start here if you want to know the basics about various financial solutions: how they work, why they’re a good idea and what to consider when making your choice.

Mutual Funds - A mutual fund is a pool of investments—usually a combination of stocks, bonds, and cash instruments. They are bought and sold by an investment company based on the goals of the fund. The risk, size of the company and industry are all things the fund manager thinks about when making investment decisions.

Life Insurance - If something happened to you, wouldn’t you want the people you love to be taken care of? Life insurance can help make sure those you leave behind don’t have to worry about making ends meet financially. And the time to think about getting it is now. Learn more.

Annuities - In the same way mutual funds simplify diversifying your investments, annuities simplify getting your money when you actually need it—in retirement. They're a way to help make sure you can have a steady stream of income, even if the market doesn't exactly perform the way you want it to.

Annuities work like this. You pay money to an insurance company, and then they invest it. Over time, they'll pay you back while offering tax advantages. You won't pay taxes until the earnings on the funds are paid out to you. You choose how much you'll contribute, when you want to start receiving payments, and how long they need to last.

IRAs - IRAs are a type of account designed to help you save for retirement. If you're not familiar, it might be a little confusing. But once you understand the basic concept, you'll be able to see how IRAs can really get you on the right path to retirement.

Here's how they work. Think of an IRA as a basket. Once you have one, you pick investments to put in it—mutual funds, stocks, bonds, CDs, and annuities. Because they're in the IRA "basket," they're protected from some taxes. And that adds up to the potential to earn more money.

529 College Savings Plans - State-sponsored investment programs designed to specifically help people save for college. Each state chooses an investment company to manage their plan, so you get the benefit of no-hassle investment.

Supplemental Health Insurance - Fills in specific health insurance gaps or gives you more coverage for certain needs (like cancer, accidents, or hospital indemnity). It's a good way to make sure you have enough coverage for situations that are typically expensive, but it isn't a substitute for regular health insurance.

Mortgages & Home Equity - Mortgages are long-term loans that offer relatively low interest rates. They help a lot of people make the dream of having a house to their name a reality.
Home equity loans are a little different. If you have "equity" (your house is worth more than you owe on your mortgage), you can borrow that money using a home equity loan.

Savings & Checking Accounts - An easy access checking account and a savings account are among the most basic tools you can add to your financial portfolio:

High-Yield Savings Accounts: These are traditional savings accounts that give you easy access to your money while earning interest.

Insured Money Market Accounts: These are similar to regular savings accounts, but also let you write checks like you do with a checking account.

CDs: These usually earn more interest than a savings account, but the trade-off is that your money is locked away for a certain period of time.

Personalized Financial Solutions

Our financial professionals can help you get on the right track - whether you are saving for retirement, college or investments.

Each situation is unique, and our financial professionals will listen to your goals and develop a plan that is right for you.