Investment Options

Investing Starts With What You Want Your Money to Do

There isn't one investment that's right for everyone. The right approach starts with your goals, your timeline, and how comfortable you are with risk.

Whether you're building for the future, preparing for retirement, saving for education, or looking for another way to diversify your portfolio, Jim can help you understand the investment options available and how they may fit into your bigger financial picture.

Explore Investment Options
Before Choosing an Investment

Start with the goal—not the product.

An investment that makes sense for one person may not make sense for another.

Jim begins by understanding what you're working toward, how long you have to get there, and what level of investment risk you're comfortable taking.

Explore: Mutual Funds Annuities Stocks & Bonds Structured CDs REITs College Savings Retirement Accounts
Start With Your Goal

What Are You Investing For?

Investment decisions make more sense when they're connected to something you're actually trying to accomplish.

01

Build for the Future

Invest with long-term goals in mind and explore ways to diversify your financial resources.

02

Prepare for Retirement

Build resources for the years ahead and consider strategies for generating future retirement income.

03

Save for Education

Put money aside for future education expenses through investment options designed for that goal.

04

Balance Risk & Opportunity

Explore different types of investments based on your timeline, objectives, and comfort with risk.

Explore Your Options

Investment Options Available Through Jim

You don't need to know which product you need before talking with Jim. These are some of the investment options that may be considered as part of your overall strategy.

Growth & Diversification

Mutual Funds

Mutual funds pool money from many investors into a professionally managed portfolio of investments. They can provide a way to diversify across multiple securities within a single investment.

Things to Consider
  • Access to professional investment management
  • A range of investment objectives and strategies
  • The potential to diversify across different investments
  • Values fluctuate with market conditions
Retirement & Income

Annuities

Annuities are long-term financial products that may be considered as part of a retirement or income strategy depending on your individual goals.

Options May Include
  • Fixed annuities
  • Variable annuities
  • Tax-sheltered annuities for eligible employees
  • Different income and accumulation features
Individual Securities

Stocks & Bonds

Individual stocks and bonds may be used to build a portfolio around specific investment objectives, income needs, timeframes, and risk considerations.

Available Investments May Include
  • Domestic stocks
  • U.S. Treasury securities
  • Federal agency securities
  • Corporate and municipal bonds
  • Mortgage-backed securities
  • Employee stock option transactions
Defined-Term Investment

Structured CDs

Certain bank Certificates of Deposit may be accessed through FVSB Financial Services and Osaic Institutions, Inc. These investments have defined terms and should generally be considered with their maturity date in mind.

Things to Consider
  • Issued by banking institutions
  • FDIC coverage may apply up to applicable limits
  • Designed as longer-term investments
  • Terms, risks, fees, and costs should be reviewed before investing
Real Estate Exposure

Real Estate Investment Trusts

Real Estate Investment Trusts, or REITs, provide a way to invest in companies that own or manage real estate without directly purchasing and managing property yourself.

Things to Consider
  • Exposure to different types of real estate
  • May provide additional portfolio diversification
  • Certain REITs trade on public exchanges
  • Values and income can fluctuate
Education

College Savings Plans

College savings plans can help families set aside money specifically for future education expenses while giving those funds time to grow.

Funds May Help Cover
  • Tuition
  • Eligible fees
  • Room and board
  • Books and required supplies
  • Eligible college, university, and vocational education expenses
Retirement

IRAs & Retirement Plans

Retirement accounts provide a way to invest specifically for your future and may offer tax advantages depending on the type of account and your individual circumstances.

Jim can help you understand how different retirement accounts work and discuss which options may align with your retirement strategy.

Available Options May Include
  • Traditional IRAs
  • Roth IRAs
  • Rollover and transfer IRAs
  • SIMPLE IRAs
  • SEP retirement plans
More Than Choosing a Product

How Do You Know Which Investment Makes Sense?

You don't have to sort through all of these choices by yourself.

Jim can help you look beyond individual products and consider how an investment fits with the rest of your financial life.

01

Define the Goal

What are you trying to accomplish with this money?

02

Consider Your Timeline

When might you need to use the money you're investing?

03

Understand Risk

How much market fluctuation are you comfortable with?

04

Look at the Whole Picture

How does the investment fit with what you already own?

Important Investment Information

Understand Before You Invest

Investment products may lose value. Mutual funds and variable annuities are offered by prospectus. Investors should carefully review the prospectus, including information regarding investment objectives, risks, charges, fees, and expenses, before investing.

Structured CDs are long-term investments and involve risks that may not be appropriate for every investor. Carefully review the applicable Term Sheet, including information regarding fees, costs, features, and risks, before investing.

REIT investments involve risks that may include fluctuations in principal, liquidity considerations, and no guarantee of investment performance.

Diversification is a method of controlling risk. It does not assure a gain or the avoidance of loss.

This information is general in nature and should not be construed as investment, tax, or legal advice or as a recommendation regarding any particular product. FVSB Financial Services and Osaic Institutions, Inc. do not provide tax advice. Please consult your tax or legal professional regarding your individual circumstances.

Not Sure Which Option Is Right for You?

You don't need to decide before you meet with Jim. Start with your goals, ask your questions, and explore your options together.

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Securities and certain investment and insurance products are offered through Osaic Institutions, Inc. Please review applicable product documentation and disclosures before investing.