Investment Management

  • Fee Based Advisory Program – Managed accounts provide a consultative process that includes setting specific objectives, developing a personal investment policy, selecting money managers and ongoing professional management.

  • Tax Efficient Investing – Utilizes investments with lower tax consequences than other similar investments.  Investors in high tax brackets benefit from investments with tax advantaged returns because the net return (after taxes are considered) is greater than they would achieve with fully taxable investments.

  • Active Portfolio Management – Management of investment portfolio that involves active trading securities in an attempt to produce above-average returns on a risk-adjusted basis.

  • Passive Portfolio Management – Method of managing an investment portfolio that seeks to select properly diversified securities that will remain relatively unchanged over long periods of time.

  • Wrap Accounts – Investment account in which all of the account’s assets are entrusted to a professional money manager.  All expenses related to this account are wrapped into a single annual fee.

  • Traditional IRAs – Custodial account in which individuals may set aside earned income in a tax-deferred retirement plan.

  • 401(K) s – Retirement plan that permits an employee to set aside a portion of salary in a tax-deferred investment account selected by the employer.

  • Qualified Plans – Employer-sponsored tax-deferred employee benefit plan.  Contributions by an employer and employee accumulate without being taxed until payouts are made at the employee’s retirement or termination.

  • Nonqualified Plans – Retirement plan that does not meet the IRS requirements for favorable tax treatment.

  • 529 College Plans – A plan that allows for the prepayment of qualified higher education expenses at eligible educational institutions. Also known as a "qualified tuition program."

 

Securities and insurance products are offered by Cetera Investment Services, Inc. member FINRA/SIPC 5217500000104429.  Cetera Investment Services is a registered broker-dealer, registered investment adviser, and licensed insurance agency.  Cetera is not affiliated with First Tuskegee Bank or its related companies. Securities and insurance products offered by Cetera are not FDIC insured, may go down in value, not bank guaranteed, not a deposit and are not insured by any federal government agency.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided.

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Cetera Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

For a comprehensive review of your personal situation, consult your tax Advisor. Neither Cetera, nor any of its representatives, may give tax advice.

Mutual Funds, Variable Annuities and UITs are sold by prospectus. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Investment Executive. Please read the prospectus carefully before investing.