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Investing
Preparing for the most important times of your life can be overwhelming.  You do not have to tackle this alone.  Let Central Choice Financial help you attain your goals. Sit down with our team of professionals to discuss what matters most to you. With a combined 20 plus years of experience we are confident we can help you make the right choices in picking the investment vehicles that not only help you reach your destination but do so with a level of comfort you can live with.

Products and services offered at Central Choice Financial through SagePoint Financial include but are not limited to…..

Services

Wealth Management: The consultative process of meeting the needs and wants of clients by providing the appropriate financial products and services as well as coordinating experts needed to address these needs.

Estate Planning: The process of developing and implementing a master plan that facilitates the distribution of your property after your death according to your goals and objectives.

Retirement Planning: The process of determining retirement income goals and the actions and decisions necessary to achieve those goals.  Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine the retirement income goal will be achieved.

Employer Sponsor Plans: A plan, such as a 401(k) plan, Simple or SEP set up by an employer to allow employees to save for retirement. Most of these plans offer beneficial tax features, including tax-deferred growth and pretax employee contributions. The employer may match employee contributions up to a certain level.

Individual IRA’s: (Traditional and Roth) Personal, tax-deferred retirement account that an individual can set up and fund with earned income up to a maximum of $5,500 per year ($6,500 if age 50 or older due to a "catch-up" provision in the law). Specific tax benefits depend on the type of IRA.

College Savings: 529 plans that are designed to help individuals save for education after high school. The account owner contributes money to the plan. The state (or its agent) invests the money in one or more pre-established investment portfolios. Some states permit account owners limited chances to select among the portfolios. Withdrawals that are used to pay certain education expenses of the beneficiary (known as qualified withdrawals) are free from federal income tax. Qualified withdrawals can be used at any eligible educational institution in the United States or abroad.

Life Insurance: A legal contract between an insurance company and an owner/insured to provide protection against adverse financial consequences of the death of an individual in the form of payment to a beneficiary.

Buy Sell Agreements: A contract used in business succession planning that provides for the sale of a business upon an owner's death, disability, retirement, or other triggering event.

Products

Annuities (Variable and Fixed): A contract sold by life insurance companies that offers tax-deferred accumulation of earnings and various distribution options, such as partial withdrawals, full surrender, or a guaranteed income (called annuitization) for life or for a specified amount of time.

Bonds: A debt instrument sold by companies, governments, and institutions in order to raise money. A bond is like an IOU from the borrower to the lender. The investor who buys a bond is lending a certain amount of money (the bond's face value) to the bond issuer. The bond issuer is agreeing to repay the principal amount of the loan at a certain time (maturity date). Prior to maturity, most bonds also periodically pay interest to the investor.

ETF (Exchange Traded Funds): is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock on a stockexchange. ETFs experience price changes throughout the day as they are bought and sold.

Mutual Funds: Corporation or trust, managed by an investment advisor, that pools money from shareholders and invests it in securities, such as stocks, bonds, options, commodities, and/or money market securities. Registered with the Securities and Exchange Commission under the Investment Company Act, mutual funds offer investors the advantages of diversification and professional management, for which they charge a management fee.

REIT (Real Estate Investment Trust):  A business entity that invests in real estate, or in mortgages on real estate. Similar to a mutual fund, the money of numerous investors is pooled to make selected long-term real estate investments. Any investment income generated by the REIT is passed through to the individual investors.

Stocks: Evidence of ownership in a corporation that represents a portion of the company's assets or earnings. One unit of ownership is generally referred to as a share of stock.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

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Securities and advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC. Insurance services offered through Central Choice Financial, which is not affiliated with SagePoint Financial, Inc.  SagePoint Financial, Inc. does not provide tax or legal advice.

IMPORTANT CONSUMER INFORMATION
A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

This communication is strictly intended for individuals residing in the states of CA, FL, IL, MI, MN, ND, NM, NV, OH, OR, TX, and WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.


This communication is strictly intended for individuals residing in the state(s) of CA, MI, MN, NV, ND, OH, OR, TX and WI. No offers may be made or accepted from any resident outside the specific states referenced.
 


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