Investments and Annuities

Once the decision is made to save some part of your income, the next questions may be, “How do I get started?  What should I do with my savings and investments?”  The financial professionals at Snider, Fuller and Associates can help you answer these questions 

During this planning process, many other important questions must be addressed so that your goals, time-frame, risk tolerance, lifestyle, and expectations are more likely to match a selected portfolio.  The investments you choose must contain an appropriate asset allocation mix, which diversifies your portfolio and can help minimize risk¹.

Depending on each individual’s desired level of involvement in the process, there are varying degrees of client participation available in the screening, monitoring, and re-balancing of portfolios selected.

Snider, Fuller and Associates is an independent financial services firm, but we leverage the strength of our Broker/Dealer, NFP Securities, Inc. (NFPSI), who supports independent financial professionals with a wide range of high quality investment products.  Therefore, our firm has the freedom to choose from a wide array of investment products to find solutions that can best meet your needs. 

Call today to schedule an appointment with the professionals at Snider, Fuller and Associates to get started on the road to smart investing.

Investment Vehicles

ANNUITIES

An annuity is an investment that can be purchased by making a single payment or a series of payments.  Deferred annuities allow for the tax-deferred accumulation of money.  Living benefit riders can provide guaranteed income payments making these annuities appropriate for long-term goals, such as retirement.  Immediate annuities provide a stream of income based on a lump-sum payment.  There are many payout period options which make this annuity useful for a lifetime income that you cannot outlive².

An annuity may also be fixed or variable.  A fixed annuity has a guaranteed, fixed interest rate for a period of time established by the annuity contract.  A variable annuity allows investment in a diverse assortment of separate subaccounts.  The value of a variable annuity will fluctuate based on the performance and selection of the subaccounts.  These annuities are often used to provide tax deferral until retirement and a guaranteed income during retirement. 

Call us if you are interested in more information about annuities. 

MUTUAL FUNDS

A mutual fund is a pooling of money from many investors who receive shares of the fund in return.  The pool is invested by professional fund managers into a portfolio of stocks, bonds, or other investments.  The value of the fund is based on the underlying value of the portfolio, which will fluctuate and will not be guaranteed.  Advantages include professional management, diversification, and low minimum investment requirements for many funds.

Investment Platforms

FEE-BASED BROKERAGE ACCOUNTS

Your brokerage account may contain a mix of mutual funds, stocks, bonds and ETF’s.  For a fee your advisor assists in asset allocation, investment selection and on-going portfolio management and service.  Check-writing and debit cards may be available with these accounts.

MANAGED MUTUAL FUND ACCOUNTS

An actively managed portfolio of mutual funds can be chosen based on the asset allocation which reflects your goals and risk tolerance.   Professional money managers are selected to provide active management, review, and re-allocation of the portfolio in order to maintain the alignment most appropriate for your objectives. 

If you are interested in additional information about fee-based brokerage accounts or managed mutual fund accounts, please call today for an appointment with one of our representatives.

Mutual funds and Variable Annuities are sold by prospectus only.  Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of a mutual fund. For Variable Annuities, the current contract prospectus and underlying fund prospectuses, and for mutual funds, the fund prospectus provides this and other important information. Please contact your representative or the Company to obtain a prospectus. Please read the prospectus carefully before investing or sending money.

1. Using diversification/asset allocation neither assures nor guarantees better performance and cannot protect against loss in declining markets.

2. All optional benefits such as riders and bonuses are available for an additional cost.  The guarantees associated with optional benefits are backed/subject to the claims-paying ability of the issuing insurance company.  It is important to weigh the costs against the benefits when adding such options to an annuity/life insurance contract.  The cost for riders varies widely but is generally between .15% to .75% of the account.