Invest
From investments to retirement to estate planning and more, we offer strategic financial guidance to help you invest in your future.
One of the most important reasons for you to invest is to allow your money to grow for you. That is why we continuously work with you through every stage of your life to build a customized, personal plan that will best fit your needs to accomplish your goals.
There are many different options that Sgroi Financial can provide for every individual stage in your life. Below are some investment options we offer:
• investments •
Mutual Funds
Investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.
Sgroi Wealth Advisory Group Accounts
Portfolios designed by the Sgroi Financial advisors and research team which are monitored weekly and actively managed to meet your risk and return objectives.
Common Stocks
A security that represents ownership in a corporation. Holders of common stock elect the board of directors and vote on corporate policies. This form of equity ownership typically yields higher rates of return long term.
Bonds
A fixed-income security that represents a loan made by an investor to a borrower (typically corporate or governmental) We offer individual Municipal, Corporate, Agency and US Treasury Bonds.
Certificates of Deposit (CDs)
A CD locks your money in at a set interest rate for a certain period of time.
Fixed Annuity
A type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contributions to the account based on the claims paying ability of the insurer
Variable Annuity
Tax-deferred retirement vehicle that allows the investor to choose from a selection of investments to pay a level of income in retirement that is determined by the performance of the investments chosen. Variable Annuities are sold by prospectus only which contains more complete information about the policy which includes risks, charges and expenses
College Planning
A 529 Plan and a Coverdell Education Savings Account are two available savings options that allow parents or grandparents to invest in a student’s future.
• Retirement Planning •
Traditional IRAs
Allows individuals to direct pretax income towards investments that can grow tax-deferred.
ROTH IRAs
Allows investors to contribute after-tax money today and withdraw the principal and earnings tax-free at retirement.
401(k)
A defined contribution plan where an employee can make contributions from his or her paycheck either before or after-tax, depending on the options offered in the plan.
403(k)
Designed for employees of non-profit or tax-exempt organizations such as church groups, schools and other agencies. Similar to 401(k) plans.
SEP IRA
A retirement plan designed for an owner of a small business.
Simple IRA
A retirement plan for small business employers to contribute toward their employees’ and their own retirement savings.
Defined Benefit Plan
A retirement pension instrument used to provide consistent income for an individual after retirement.
• Leaving Your Legacy •
Trust/Estate Planning
Enables clients to plan how their assets will be handled and their wishes carried out.
Tax Planning
An important element in any financial plan is ensuring that your financial goals aligns with the most tax-efficient manner possible.
Wealth Transfer / Beneficiary Planning
Allows you to place your investments in the hands of loved ones when you are gone.
Neither Cadaret Grant & Co, Inc. nor its registered representatives or employees, provide tax or legal services. Please note that individual situations can vary. Therefore, the information should be relied upon when coordinated with individual professional advice.
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