Investment Advice
Manage Your Wealth with Professional Investment Advice.
Navigating the world of investment can be challenging, but you don’t have to do it alone. Advisors at CanDo Financial provide tailored investment strategies and portfolio management to help you work toward your financial objectives. Whether you’re looking to grow your wealth, diversify your portfolio, or plan for future financial needs, we are here to guide you.
Investment Planning Services
CanDo Financial’s professionals provide a range of investment planning services to help clients build wealth and work toward their financial goals. Here’s an overview of these services and the products they typically offer:
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Advisors at CanDo Financial work with clients to develop customized investment strategies based on their distinct financial goals, risk tolerance, and time horizon. This involves assessing current financial situations, setting clear objectives, and selecting appropriate investment vehicles.
Example Products Used:
- Mutual funds, exchange-traded funds (ETFs), individual stocks and bonds, and managed accounts..
Advisors provide ongoing management of investment portfolios to ensure they remain aligned with clients’ goals. This includes regular reviews, rebalancing, and adjustments based on market conditions and life changes.
Example Products Used:
- Managed accounts, mutual funds, ETFs, and individual securities.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
Advisors at CanDo Financial help clients work toward retirement by creating strategies to accumulate and manage retirement savings. This includes evaluating retirement income needs, optimizing contributions to retirement accounts, and selecting suitable investment options.
Example Products Used:
- Individual Retirement Accounts (IRAs), 401(k) plans, annuities, and mutual funds.
Advisors assist clients in addressing tax liabilities through strategic investment planning. This involves using tax-advantaged accounts, selecting tax-efficient investments, and implementing tax-loss harvesting strategies.
Products Used:
- Roth IRAs, traditional IRAs, tax-efficient mutual funds, and municipal bonds.
Advisors at CanDo Financial help clients save for education expenses by setting up and managing education savings plans. This includes selecting the right plan, determining contribution levels, and choosing appropriate investments.
Example Products Used:
- 529 college savings plans, Coverdell Education Savings Accounts (ESAs), and custodial accounts.
Advisors work with clients to develop estate planning strategies that work towards ensuring the efficient transfer of wealth to heirs. This includes setting up trusts, wills, and beneficiary designations, as well as planning for estate taxes.
Example Products Used:
- Life insurance policies, trusts, and estate planning tools.
Investment Products
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Mutual funds pool money from many investors and invest the money in securities such as stocks, bonds, or other securities. They offer professional management and may offer diversification, making them a popular choice for building wealth.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Benefits:
- Diversification available, professional management, and liquidity.
ETFs are like mutual funds but trade on stock exchanges like individual stocks. They offer diversification and typically have lower fees than mutual funds.
Benefits:
- Lower fees, diversification, and flexibility.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF’s net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.
IRAs are tax-advantaged accounts designed to help individuals save for retirement. CanDo Financial professionals can discuss both traditional and Roth IRAs, each with different tax benefits.
Types:
- Traditional IRAs: Contributions may be tax-deductible, and earnings grow tax deferred.
- Roth IRAs: Contributions are made with after-tax dollars, but qualified withdrawals are tax-free.
Annuities provide a guaranteed income stream during retirement. CanDo Financial offers various types of annuities, including fixed, variable, and indexed annuities, each with distinct features and benefits.
Types:
- Fixed Annuities1: Provide a guaranteed interest rate and steady income.
- Variable Annuities2: Offer investment options with the potential for higher returns.
- Indexed Annuities3: Link returns to a market index, offering growth potential with added insurance.
1Variable Annuities are suitable for long-term investing, such as retirement investing. Withdrawals prior to age 59 ½ may be subject to tax penalties and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
2Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Withdrawals prior to 59 ½ may result in an IRS penalty, and surrender charges may apply. Guarantees are based on the claims-paying ability of the issuing insurance company.
3Fixed annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.
Investing in individual stocks and bonds allows clients to build a customized portfolio tailored to their specific goals and risk tolerance.
Benefits:
- Potential for higher returns, control over investment choices, and income generation through dividends and interest.
Stock investing includes risks, including fluctuating prices and loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity.
Bond values will decline as interest rates rise. Bonds are subject to availability, change in price, call features and credit risk.
Dividend payments are not guaranteed and may be reduced or eliminated at any time by the company.
Managed accounts provide personalized investment management services, where a professional advisor makes investment recommendations and management based on behalf of the client based on their goals and risk tolerance.
Benefits:
- Professional management, tailored investment strategies, and regular portfolio reviews.
Advisors at CanDo Financial use these services and products to create comprehensive investment strategies that are designed to help clients pursue building wealth and working toward their financial objectives. If you have any more questions or need further details, feel free to ask!
Investing includes risks, including fluctuating prices and loss of principal.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
1Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.
2Prior to investing in a 529 Plan investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s qualified tuition program.
You can do it. We can help.
Ready to take the next step in your financial journey? Contact us today to schedule a consultation with one of our skilled financial professionals. We look forward to helping you work toward your financial goals.