Account Types

We can help you grow your wealth using a variety of account types. Select the type of account that best fits your needs from the list below.

Life's goals require careful planning. Contact us to speak with an investment advisor who can help guide you in the right direction 888-862-9923.

Retirement Accounts for Individuals

• Traditional IRA
  This account provides you with certain tax advantages to encourage you to save for retirement. Your earnings grow tax-deferred until you withdraw them. In many cases, your IRA contributions may also be tax deductible. However, you must start withdrawing your money at age 70½
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• Roth IRA
  This account is similar to a Traditional IRA in that earnings grow tax-deferred until you withdraw them. However, Roth IRA contributions are never tax deductible, but withdrawals may be completely tax free if you meet the requirements for qualifying withdrawals.
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• Rollover IRA
  This account allows you to take your retirement savings from an employer plan such as a 401(k) with you when you change jobs without having to pay taxes or penalties. You simply rollover your 401(k) into this IRA account. Your money will continue to grow with the same tax deferred advantages you previously enjoyed.
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Retirement Accounts for sole proprietors and businesses

• SEP IRA
  This account is established by an employer for his employees or a self employed individual establishes for his own benefit. Employers make tax-deductible contributions on behalf of their eligible employees. In return, the employer is allowed a tax deduction for plan contributions. Your earnings grow tax deferred until withdrawn.
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• SIMPLE IRA
  A SIMPLE IRA is an easy way for a small business to set up a retirement plan. The employer makes tax-deductible contributions to the plan in the form of either matching or non-elective contributions and the employee makes salary deferral contributions.
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• Individual 401K plan
  An Individual 401(k) is a retirement account suitable for self-employed persons and owner-only businesses who want to make substantial contributions toward their retirement. It has many of the same advantages of a regular 401k plan but without the hassles of annual filings.
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Retirement Accounts for small and mid sized businesses

• 401K Plan
  This popular employer sponsored retirement plan permits a higher level of salary deferrals by employees than other retirement plans. Of course, contributions are tax deductible and earnings grow tax free. Unlike a SEP or Simple IRA, this account requires certain administrative services and yearly filings.
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• Profit Sharing Plan
  This account is a popular choice for employers because it allows the employer to make a contribution that is spread among plan participants. Features such as delayed vesting and stricter eligibility requirements provide you with more control over your plan.
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• Defined Benefit Plan
  This account can potentially offer the largest contribution deduction and the highest retirement benefits to business owners. Best for highly compensated business owners who want to aggressively save for retirement in a relatively short time, a defined benefit plan requires the services of a certified actuary.
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Personal Investment Accounts

• Individual
  For life's short term goals such as saving for a down payment or a vacation, consider opening a taxable, individual account. This account is owned by one person and transfers to your estate upon death.
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• Joint Account
  This account is also a taxable investment account but is owned by two people for the benefit of all account owners. There are several types of joint accounts including: Joint with Rights of Survivorship, Joint Tenants in Common, Joint Community Property, and Joint Tenants by Entirety.
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• Transfer on Death (TOD)
  By registering your investment account in this manner, securities you own will pass directly to another person or entity (your "TOD beneficiary") upon your death without having to go through probate.
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• Living Trust
  A trust created during a person's lifetime; either revocable or irrevocable. Living trusts are used as a way to avoid probate which can be time consuming and costly. Depending on the type of trust, they may also help minimize estate taxes, protect assets from creditors, and much more.
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Savings Accounts for children

• Coverdell Education Savings Account (ESA)
  This tax advantaged savings plan lets you save money for college, as well as elementary and secondary school. Earnings grow tax deferred until withdrawn but contributions are never tax deductible. Withdrawals used to pay for qualified education expenses are tax free.
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• Custodial (UGMA/UTMA)
  This account can be used to save for college or anything else that benefits your child. It is managed by a custodian (usually a parent) and its assets are considered an irrevocable gift to your child.
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