Build Confidence in Your Financial Future

We'll guide you through a step-by-step process to create a personalized financial plan - so you can feel confident in every decision to make. Once your goals are defined, we'll tailor strategies to match your vision and help you execute a sound financial program using a range of products and services.

 

 


Mututal Funds

  • Invest alongside others with similar financial goals.
  • Benefit from the potential for long-term growth.
  • Gain access to professional investment management.
  • Diversify* your investment portfolio.


Annuities
Offered through FVSB Financial Services and OSAIC INSTITIONS, INC.

  • Tax-Sheltered Annuities
    Designed for employees of non-profit organizations and public school systems, these tax-qualified plans help you save for retirement with tax advantages**.

  • Fixed Annuities
    These tax-deferred products offer competitive fixed interest rates and reliable future income.

  • Variable Annuities
    Combine the tax benefits of fixed annuities with the flexibility of investment funds. You choose your investment options and benefit from potential market growth.


Structured CDs

  • Access bank Certificates of Deposit (CDs) through FVSB Financial Services and OSAIC INSTITUTIONS, INC.
  • CDs offer FDIC protection up to applicable limits.
  • They share characteristics with bonds, providing a stable investment option.
  • Best held to maturity to help preserve your principal investment.


Stocks and Bonds

  • Our investment professionals can assist with placing orders for:
    • Stocks
    • Bonds
    • Treasury bills
  • All domestic stock exchange orders are available to clients.
  • We offer access to a wide range of bonds, including:
    • Treasuries
    • Federal Agencies
    • Corporate bonds
    • Municipal bonds
    • Mortgage-backed securities
  • We can also process employee stock options.


Real Estate Investment Trusts (REITs)

  • REITs (Real Estate Investment Trusts) are companies that own and manage portfolios of various types of real estate.
  • They trade like stocks on major exchanges.
  • REITs offer diversification and potential for long-term capital appreciation.
  • Clients can benefit from real estate ownership without the responsibilities of being a landlord.


College Savings Plan

  • We assist with setting up College Savings Plans.
  • These plans can be used to cover:
    • Tuition
    • Fees
    • Room and board
    • Books
    • Required supplies
  • Applicable at accredited colleges, universities, and vocational schools nationwide.


Retirement Plans

  • We offer access to a variety of Individual Retirement Accounts (IRAs), including:
    • SIMPLE IRAs
    • Roth IRAs
    • Traditional IRAs
    • Rollover IRAs
    • Transfer IRAs
    • SEP (Simplified Employee Pension) plans
  • IRAs allow interest, dividends, and capital gains to compound annually without taxes**.
  • Depending on the type of IRA, you may defer taxes on:
    • Contributions made to the plan (Traditional IRA)
    • Withdrawals made during retirement (Roth IRA)

 

 

Important Investment Information

Investment products may lose value. Mutual funds and variable annuities are offered by prospectus; the prospectus contains more complete product information—including fees and expenses—and should be read carefully before investing.

Structured CDs are long-term investments that are subject to risk and are not suitable for purchase by all people. It is important to read and understand the CD's Term Sheet with information on fees, costs, and risks prior to investing.

REIT investments include significant risks including limited liquidity, fluctuations in principal, and no guarantees regarding performance. It is important to carefully review the prospectus to understand all risks and costs prior to investing.

This information should not be construed as investment advice or a recommendation with respect to the products listed.

Ready to Take the Next Step?

Let's build a plan that reflects your values and helps you reach your goals.

Schedule your consultation today and start your journey toward financial confidence.

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

 

Note: **This information is general in nature and should not be construed as tax advice. FVSB Financial Services nor OSAIC INSTITUTIONS, INC. do not offer tax advice. Please consult your tax professional prior to investing.