We do not offer financial products that are proprietary in nature, or have sales quotas. That means our financial consultants are free to make recommendations that best suit your financial objectives.
We offer a variety of equity, fixed income, and fully diversified portfolio Advisory Services.
Affluent Investor Services
We have a robust lineup of products, services and Home Office experts available to help with strategic planning for a wide array of needs. Our solutions-based approach, along with our philosophy of working with your current professional team, will efficiently strive to meet your financial and legacy goals. Some specific areas of expertise include:
- Wealth Transition Strategies
- Charitable Planning Strategies
- Estate Planning Strategies
- Retirement Planning Services
- Non-Purpose Loans
- Alternative Investments
- Concentrated Equity Strategies
- Business Owner Services
- Executive Services
- Trust Services
We have a high-quality selection of alternative investment exposures, which includes hedge funds, managed futures funds and private equity funds. While these funds are available only to “accredited investors” and “qualified purchasers,” we can also use our alternative product expertise to find appropriate diversification solutions among the growing number of alternative mutual funds and exchange-traded products.
Alternative investments are generally speculative and involve specific risks that you should be aware of before investing. Minimum income restrictions and/or other requirements may apply.
We offer a selection of outstanding annuity products that may address a variety of your financial needs.
Variable annuities are long-term investments and are subject to market fluctuations and investment risk. They are sold by prospectus. Before investing, it is important that you consider your investment objectives, risks, charges, and expenses. You can obtain a prospectus by contacting your financial consultant.
Business Owner Services
Business owners are faced with many unique financial challenges. Working with a team of professionals – your attorney, tax advisor and financial consultant – is essential to financial success. Our services include:
- Various types of business insurance such as buy/sell, key person, and loss purchase insurance
- Investment banking services when you need assistance with negotiating targeted acquisitions or the sale of your business
- Strategy discussions for exiting or transitioning the business
- Assistance with establishing a retirement plan or reviewing plan alternatives for your business including:
- Small Business Retirement Plans (SEP, IRAs, SIMPLE IRAs, Individual 401(k)s
- Full-featured Retirement Plans (401(k) Plans, Profit Sharing Plans, Money Purchase Plans)
When you open an account with us, your assets will be transferred to Benjamin F. Edwards & Co. in an efficient and orderly manner. In addition to a basic brokerage account to meet your investment and financial management needs, we also offer three Corestone Account® options.
Education Planning Services
Education costs continue to rise more quickly than inflation. Building the assets necessary to fund a child or grandchild’s education can be a challenge. There are a variety of different ways to save, but sometimes it is difficult to determine the best vehicle or how much to save. Your financial consultant can help. Start by becoming familiar with the most common saving vehicles by reading our report titled Education Dreams Can Come True with Proper Planning.
- 529 Plans
- Coverdell Education Savings Account (ESA)
- Custodial Accounts
- Qualifying U.S. Savings Bonds
Equity Investments can be a smart choice to grow the value of your portfolio and/or generate income.
- Common Stocks (All major exchanges)
- Equity Unit Investment Trusts (UITs)
- Exchange Traded Funds (ETFs)
- Preferred Stocks
Estate Planning Services
Estate planning is not a process reserved only for those nearing retirement or for the wealthy. It’s an important component of your overall financial plan that determines who will inherit your assets and who will control the process. We can assist with strategies to consider, including transfer-on-death, will and trust strategies, and trust services.
Today many employers include stock-based compensation in their overall employee compensation packages. Some of the more common forms of stock-based compensation are restricted stock, stock appreciation rights and stock options. There are many tax and financial considerations associated with these forms of compensation. Uninformed decisions and even doing nothing at all can lead to costly mistakes. Your financial consultant can work with you and your tax advisor to determine the best way to handle stock-based compensation. In addition, we can help with the following:
- A Stock Option Analysis
- Cashless Stock Option Exercises
- Restricted Stock Transactions
- Concentrated Equity Position Planning
- Wealth Accumulation Strategies
Fixed Income Investments
Fixed income investments are an important part of a well-diversified portfolio. Fixed income investments include:
- Certificates of Deposit
- Corporate Bonds
- Fixed Income ETFs And Exchange Traded Notes (ETNs)
- Fixed Income Unit Investment Trusts
- Government Sponsored Enterprises (e.g. Fannie Mae, Freddie Mac)
- Municipal Bonds
- U.S. Treasuries
- Zero Coupon Bonds
Life insurance can be an important component of your overall financial plan. With access to a variety of leading life insurance carriers, we can help you understand the fundamentals of life insurance so you can navigate your choices with confidence. Your financial consultant can help you review your current life, long-term care, and disability coverage and evaluate your current needs based on goals and objectives.
Find out more about our Investing Banking services.
IRAs are specifically designed for retirement saving and investing and offer advantages you will not find in other types of savings accounts. We can help you select the type of IRA that is right for you. Learn more about Traditional and Roth IRAs and IRA Rollovers.
- Traditional IRAs
- IRA Rollovers
- Roth IRAs
Investing in mutual funds has long been an appealing way for investors to efficiently diversify their investment holdings. Let’s help you find the funds with the right investment strategy (value, growth, balanced, large cap, small cap, international and fixed income, etc.) and the right fee structure (A shares, C shares, etc.). We offer some of the most widely-recognized fund families available. See important investment information concerning Mutual Funds.
Other Investment Vehicles
- Money Market Funds
Options involve risk and are not suitable for all investors. Before opening an option position, a person must receive a copy of Characteristics and Risks of Standardized Options. A copy of this can be obtained from your financial consultant.