We work with you to understand your investment needs while considering all the important factors in fixed income investing. Keeping in mind your income needs, time horizon, and risk tolerance, we will educate you about laddered fixed income portfolios, whether they are right for you, and potential investments including:

• Corporate bonds
• Tax-free municipal bonds
• Zero coupon bonds
• Agency bonds
• CDs
• Preferred stock
• Fixed income annuities

*Generally, CDs may not be withdrawn prior to maturity. CDs are FDIC insured up to $250,000 per depositor per insured depository institution for each account ownership category.

*Tax-free bonds may be subject to state, local or the Alternative Minimum Tax (AMT).

Investing in fixed income securities involves certain risks such as market risk if sold prior to maturity and credit risk especially if investing in high yield bonds, which have lower ratings and are subject to greater volatility. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can result in the decline of the value of our investment. All fixed income investments may be worth less than original cost upon redemption or maturity.

There are special risks associated with investing in preferred securities. Preferred securities generally offer no voting rights with respect to the issuer. Preferred securities are generally subordinated to bonds or other debt instruments in an issuer’s capital structure, subjecting them to a greater risk of non-payment than more senior securities. In addition, the issue may be callable which may negatively impact the return of the security. Preferred dividends are not guaranteed and are subject to deferral or elimination.