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Newfound Wealth

Unexpected money can present a tremendous opportunity, but it may also come with unanticipated responsibilities. We can help you make the most of this these fortuitous circumstances, and use this new wealth to get you and your family one step closer to your dreams.


An annuity is a type of investment that allows you to pay money now in exchange for a stream of income in the future.

Is an annuity right for me? Here are the facts:

  • Annuities are a great way to guarantee income after retirement, as they typically provide a source of revenue to the beneficiary until the time of their death. In some cases, an annuity will even pay death benefits to designated recipients, such as surviving family members, for a fixed period after the annuity holder’s death.
  • An annuity can either be fixed or variable; and will be either immediate or deferred. A fixed annuity guarantees a specific amount of income that will kick in after a certain period of time, while a variable annuity offers the possibility of greater rewards, but does not come with any guarantees. An immediate annuity provides an immediate and guaranteed long-term income source beginning soon after purchase. A deferred annuity has an accumulation phase during which the contributions grow before payments from the income source begin.
  • An annuity can offer significant tax benefits, as it is often possible to defer tax payments on the money you invest in one.

Variable annuities are long-term investment vehicles that involve certain risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If withdrawals are taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals affect the variable annuity's death benefit, cash surrender value and any living benefit and may also be subject to a contingent deferred sales charge. There are inherent risks involved with investing in mutual funds. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Past performance is not a guarantee of future results.


A trust is an arrangement that organizes the distribution of wealth and benefits at the time of a person's death.

Is a trust right for you? Here are the facts:

  • A trust can be used to distribute wealth to family, friends, or charitable organizations. A well-organized trust can provide you with confidence that your assets will go to the people or causes that matter to you.
  • Under certain circumstances, a trust can be used to distribute the benefits of life insurance, annuities, or disability policies.
  • One of the most important decisions you will make in structuring your trust is choosing a trustee. This person will be responsible for ensuring that your wealth and benefits are allocated according to your wishes.

Individual Retirement Account (IRAs)

An Individual Retirement Account (commonly known as an IRA) is a retirement account designed for individuals who do not have an employee-sponsored plan.

Is an IRA right for you? Here are the facts:

  • Unless it is a Roth, money stored in an IRA is tax-deferred, which means it does not have to be counted as income until it is withdrawn from the account. This can significantly increase the rate at which savings held in an IRA will grow.
  • A traditional IRA allows you to contribute up to $5,000 a year toward your retirement. And if you’re age 50 or older, your contribution limit jumps to $6,000 annually. Money can be withdrawn freely from an IRA after the account holder reaches the age of 59 ½ ; before then, a 10% IRS tax penalty may apply.
  • IRAs may be a good solution for people who do not receive retirement benefits through their employer, or for people who have recently retired or switched jobs.

Mutual Funds

A mutual fund is a type of investment designed for people who are looking for the benefits of a well-managed and diversified portfolio, but who do not have the time or expertise necessary to manage a portfolio themselves.

Is a mutual fund right for me? Here are the facts:

  • A mutual fund combines the investments from a number of individuals or groups into a pool, which is managed by a professional investment advisor.
  • Mutual funds generally offer a wide degree of diversification; a single fund will often contain a variety of stocks, bonds, and money markets.
  • The investors in a particular mutual fund are often united by a specific financial goal. Some mutual funds are focused on immediate income, while others focus more on long-term growth, or on a mix of income and growth.

Mutual Funds are sold by prospectus only. You should carefully consider the investment objectives, risks, charges and expenses of the fund before making an investment decision. The prospectus contains this and other important information. Please read it carefully before investing or sending money. To obtain a copy, please call 503-207-4550.

Investing in mutual funds involves certain risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost.

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