INVEST IN YOUR BEST LIFE.
Our long-term approach to investing and wide range of options will help you live the life you want—no matter where you're starting from.
Investment solutions for wherever you are in life
With more ways to invest than ever before, it can be hard to make sure your money is working its hardest for you. That's where we come in. We'll provide professional investment expertise based on our time-tested philosophy and disciplined process. Whether you're just starting out or you're ready for more specialized financial services, you'll have access to a variety of investment options to help you build your ideal portfolio.
Mutual Funds: Diversifying Your
Investments for a Brighter Future
Mutual funds are a type of investment that pools money from many investors to buy a basket of securities. This allows you to invest in a diversified portfolio of stocks, bonds, or other assets without having to pick individual securities yourself. Mutual funds may be a good choice for investors who want a hands-off approach to investing.
Non-Qualified Accounts
Non-qualified accounts are investment accounts that are not tax-deferred. This means that you will have to pay taxes on your earnings each year. However, non-qualified accounts offer more flexibility than retirement accounts. For example, you can withdraw your money from a non-qualified account at any time without penalty.
Retirement Accounts
Retirement accounts are tax-deferred investment accounts that are designed to help you save for retirement. There are a variety of different types of retirement accounts, including IRAs, 401(k)s, SEPs, SIMPLE IRAs, and 403(b)s. Each type of retirement account has its own rules and benefits.
IRAs
IRAs are individual retirement accounts that you can open on your own. You can contribute to an IRA with pre-tax dollars, which means that you can deduct your contributions from your taxable income. Your earnings in an IRA grow tax-deferred, which means that you don't have to pay taxes on your earnings until you start withdrawing them.
401(k)s
401(k)s are retirement savings plans that are offered by employers. Your employer may match a portion of your contributions to your 401(k). 401(k)s may be a good choice for employees who want to save for retirement and who want to take advantage of their employer's matching contributions.
SEPs
SEPs are simplified employee pension plans that are designed for self-employed individuals. SEPs allow self-employed individuals to contribute up to 25% of their net income to their SEP each year. SEPs may be a good choice for self-employed individuals who want to save for retirement and who want to take advantage of the tax benefits of retirement savings.
SIMPLE IRAs
SIMPLE IRAs are retirement savings plans that are designed for small businesses. SIMPLE IRAs allow small businesses to contribute up to $3,000 per year to each of their employees' SIMPLE IRAs. SIMPLE IRAs may be a good choice for small businesses that want to offer a retirement savings plan to their employees without the administrative burden of a traditional 401(k) plan.
403(b)s
403(b)s are retirement savings plans that are offered by public schools, colleges, and other tax-exempt organizations. 403(b)s allow employees of these organizations to contribute a portion of their salary to their 403(b). 403(b)s may be a good choice for employees of public schools, colleges, and other tax-exempt organizations who want to save for retirement.
Annuities:
Are Features You Pay for Appropriate for Your Situation?
Annuities are a type of insurance contract that provides you with a guaranteed income stream for the rest of your life. They offer a variety of features and benefits that can help you achieve your retirement goals.
Fixed Annuities
Fixed annuities are the most popular type of annuity. They offer a guaranteed interest rate on your investment, so you know exactly how much your money will grow over time. Fixed annuities may be a good choice for investors who are looking for some protection from market downturns.
Indexed Annuities
Indexed annuities are linked to a market index, such as the S&P 500. This means that your investment can grow with the market, but you are also protected from market downturns. Indexed annuities may be a good choice for investors who want some exposure to the market but also want to protect their principal.
Variable Annuities
Variable annuities are invested in a variety of securities, such as stocks, bonds, and mutual funds. This means that your investment has the potential to grow significantly, but it also carries more risk. Variable annuities may be a good choice for investors who are comfortable with risk and who are looking for the opportunity to maximize their returns.
Both Fixed and Variable Annuities are insurance products and are designed for long-term retirement income. Annuities are not intended to replace emergency funds or to fund short-term savings goal. Earnings are taxed as ordinary income when withdrawn. There may be a 10% federal tax penalty on withdrawals before age 59½. Naturally, your death benefit and the cash value of the annuity contract will be reduced if you take any early withdrawals.
Fixed annuities credit interest to the account balance based on a stated contractual interest rate. A Fixed Annuity is a long-term, tax-deferred investment designed for retirement. Fixed annuities are contracts and you should read and understand the contract before making a purchasing decision. Annuities generally contain fees and charges which include, but are not limited to, sales and surrender charges. Annuity contracts, when redeemed, may be worth more or less than the amount used to purchase the annuity.
A variable annuity is a long-term, tax-deferred investment designed for retirement. It will fluctuate in value. It allows you to create a fixed or variable stream of income through a process called annuitization. It provides either variable rate of return based on the performance of the underlying investments of a fixed payment that is guaranteed for a defined period of time which can be as long as the rest of your life. Keep in mind that both options do have limitations and risks. Fixed payouts can be eroded over time by inflation. Variable payouts are subject to market risks and may not provide as consistent payments as fixed annuitization. Additionally, once annuitized the payment will stop when the duration of the payout period ends. This means that there may be no residual amounts available to heirs depending on the duration selected. Keep in mind that investing involves market risk and your investment return, principal value and periodic payments will fluctuate over time. You could end up with more or less than the amount you invested. Investing always involves risk, including the potential loss of principal.
Variable Annuities are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from the issuing insurance company or your financial advisor. Before investing, you should read the prospectus carefully and consider investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. To obtain copies of the prospectuses please contact your financial professional or the issuing insurance company.
A fixed indexed annuity credits interest to your contract based on the changes in an underlying index, such as the S&P 500® Composite Stock Price Index. Indexed annuity contracts also offer a specified minimum which the contract value will not fall below, regardless of index performance. A fixed indexed annuity isn't a stock market investment, nor does it directly participate in any stock or equity investment. An index cannot be invested in directly and is unmanaged. Past index performance is not a representation of future performance. Some indexes do not include dividends paid on the underlying stocks, and therefore do not reflect the total return of the underlying stocks; an index or any market-indexed annuity is not comparable to a direct investment in the financial markets.
All guarantees are subject to the claims paying ability of the issuing insurance company. These guarantees do not apply to the underlying investment options or their performance.
Empower Your Financial Future
Navigating the complexities of financial services can be daunting, but it's essential to help pursue a comfortable and fulfilling retirement. Whether you're seeking guaranteed income through annuities or diversifying your investments with mutual funds, understanding your options is crucial for making informed decisions.
Seek guidance from a trusted Revenite Registered Representative to explore your investment options, assess your risk tolerance, and develop a personalized plan that aligns with your retirement goals. Together, you can craft a strategy that strives to safeguard your financial future and empowers you to embrace the next chapter of your life with confidence.
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100 N Mullan Rd
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Spokane Valley, WA 99206
+1 (888) 407 - 1461
brian.heimbecker@osaicwealth.com
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