With guidance from our team of advisors, we will help you build the portfolio you want and ensure it aligns with your financial goals. We will monitor your investments and provide advice based on market performance and trends so you can work towards achieving your financial goals.
Check the background of our investment professionals on FINRA's BrokerCheck.
Retirement and Financial Planning
A financial plan can help define how your income and assets can provide for a lifetime of happiness and your retirement. Healthy savings habits, spending discipline and appropriate investments are necessary to meet your goals. But, you need more than just a plan. Our advisors can keep you centered on your plan when faced with market downturns or enticing spending opportunities.
We will begin by understanding you along with your strengths and weaknesses surrounding money in order to develop a financial plan with the appropriate investment solutions to meet your unique goals.
Our advisors are invested in you and your family and are committed to help you get where you want to go.
Individual Retirement Accounts (IRAs)
Whether your retirement is soon approaching or several years down the road, the advantages of an IRA can give you confidence as you prepare.
If you’ve earned income and are younger than age 70½, a traditional IRA may be the best option.
If you’ve earned income below a certain threshold set by the IRS, a Roth IRA may be best for you.
Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax.
Stocks, Bonds and Funds
Our advisors will work with you to develop a strategy based on your goals, risk tolerance and timeline.
Stocks give you the opportunity to buy ownership in a specific company or companies.
Bonds are a good way to diversify your stock portfolio and can balance out a downturn in the stock market.
A popular choice for funds is a mutual fund that includes a portfolio of stocks, bonds, or other securities.
Exchange-Traded Funds (ETF)
An ETF is a basket of securities that you can buy or sell through a brokerage firm on a stock exchange.
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. An issuer may default on payment of the principal or interest of a bond. Bonds are also subject to other types of risks such as call, credit, liquidity, interest rate, and general market risks.
An annuity is an investment tool that can provide you with a regular paycheck after you retire.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Johnson Financial Group and Johnson Financial Group Financial Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Johnson Financial Group Financial Advisors, and may also be employees of Johnson Financial Group. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Johnson Financial Group and Johnson Financial Group Financial Advisors. Securities and insurance offered through LPL or its affiliates are:
|Not Insured by FDIC or Any Other Government Agency||Not Bank Guaranteed||Not Bank Deposits or Obligations||May Lose Value|
The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
This website may contain concepts that have legal, accounting, tax, and investment implications. It is not intended to provide legal, accounting, or tax advice and is not a recommendation to buy or sell any investment.