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  • Home
    • About Us
    • Five Well-Known Income Strategies
    • Complimentary Portfolio Review
    • Referrals
    • Location
    • Request Information
    • Our Message
    • Our Services
    • Planning for Retirement
    • Individual Retirement Account (IRA)
    • Estate Planning Strategies
    • Advisory Services
    • Investment Products
    • Our Envision® Process
    • Investment Resources
    • Financial Calculators
    • Newsletters
    • Municipal Bond Information
    • Advisory Services
    • Retirement Plans For Businesses
    • Saving For College
  • Market Commentary
858.248.8831

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Peart-Foster Group

Five Well-Known Income Strategies

Many of today's savvy investors understand the need to diversify their income sources.

We offer five potential income strategies for you to consider............

1) Immediate and tax-deferred annuities

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.
Guarantees are based on the claims-paying ability of the issuing insurance company. Guarantees apply to minimum income from an annuity; they do not guarantee an investment return or the safety of any underlying funds, if applicable. Guaranteed income riders are available at an additional cost.

2) Individual bonds or bond funds

Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed income securities are subject to market risk. All fixed income investments may be worth less than their original cost upon redemption or maturity.


3) Income stocks with a history of raising dividends 

The Diversified Stock Income Plan (DSIP) is a preselected, regularly reviewed list of stocks with attractive yields, chosen because of the likelihood of the companies to consistently raise annual dividends. When looking for companies to include on the list, the Wells Fargo Advisors Advisory Services Group goal is to find stocks with attractive current yields that are likely to result in a growing stream of income over time while taking into consideration company fundamentals. The stocks on the list are categorized according to sector to facilitate construction of a well-diversified portfolio across various sectors. With a package of such stocks, we are seeking a relatively lower risk way for conservative income and growth-oriented equity investors to potentially keep up with the rising cost of living. 

Of course, dividends are not guaranteed and are subject to change or elimination.

Stocks are subject to market risk which means their value may fluctuate in response to general economic and market conditions, the prospects of individual companies, and industry sectors. Investments in equity securities are generally more volatile than other types of securities.

4) Closed-end funds and exchange-traded funds (ETF's)

Closed-End Funds are actively managed and can employ a number of investment strategies in pursuit of the fund’s objectives. Some strategies may increase the overall risk of the fund and there is no assurance that any investment strategy will be successful or that the fund will achieve its intended objective. Closed-end funds are subject to different risks, volatility, fees and expenses. Many closed-end funds can leverage their assets to enhance yields. Leverage is a speculative technique that exposes a portfolio to increased risk of loss, may cause fluctuations in the market value of the fund’s portfolio which could have a disproportionately large effect on the fund’s NAV or cause the NAV of the fund generally to decline faster than it would otherwise. The use of leverage and other risk factors are more fully described in each closed-end fund’s prospectus under the heading “Risk Factors.”

Exchange-Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost.

5) Managed distribution

There are various methods to maintain an asset allocation appropriate for you investment objective and periodically sell to create your required income needs. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

For more information, please contact us here or call us at (858) 248-8831 or (858) 248-8825 for a complimentary appointment. The meeting can be in our Rancho Bernardo office or one of us can meet with you at your home or office.

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Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
This information is intended for use only by residents of (AR, AZ, CA, CO, FL, HI, IL, MD, MO, NH, NV, OR, PA, SC, TN, TX, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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