Investment Strategies

No two investors are exactly alike.

Everyone’s financial situation is different. That’s why I take the time to first understand your current financial needs and long-term objectives before making any recommendations to you.
 
Maybe a single solution will help meet your particular needs. Or, perhaps, it may involve developing a complete financial plan that incorporates investment and insurance solutions.

Beginning with factfinding, together we will look at the many details of your financial life – your current holdings, specific investment objectives, time horizon, and risk tolerance – to help ensure that the financial choices you make are aligned with your specific goals. With a clear picture of your situation and goals, we can then select the right investment tools, which may include:
  • Mutual Funds
  • Stocks
  • Bonds
  • Money Markets
  • Variable Annuities
  • Advisory Products
Investment Brokerage and Advisory Accounts
 
You may be approaching retirement or just starting out. Putting the down payment on your first home or purchasing the vacation home you’ve dreamed of forever. Sending your first child to kindergarten or seeing your last one off to college. Whatever your reasons for investing, I can support you with access to a broad range of investment solutions through a brokerage account or one of our advisory accounts.
 
  • Wealth solutions, including wealth accumulation, business succession, trust and estate solutions to help individuals and families accumulate, preserve, protect, and transfer their wealth.
  • Individual retirement solutions that allow you to accumulate money for retirement, either on a tax-free or tax-deferred basis with Traditional, Roth and Rollover IRAs, and variable annuities.
  • Business retirement solutions that can help you reduce the current tax obligations of your business and build wealth for the future, while also attracting and retaining high quality employees. I can provide support to help you integrate your personal and business financial needs through a variety of retirement funding strategies, including 401(k), 401(k) Roth and 403(b) plans, Simplified Employee Pension (SEP) IRAs, Savings Incentive Match Plans (SIMPLE) IRAs, profit sharing, and other retirement solutions.
  • Education funding solutions, including 529 Plans, Coverdell Education Savings Accounts, and Uniform Gift to Minors Act or Uniform Transfer to Minors Act Custodial Accounts that can help you save for the rising cost of higher education.
*No investment strategy can assure a profit or protect against a loss in declining markets. Investors should consider their ability to continue to purchase through periods of low price levels.
 
You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Your Northwestern Mutual Investment Services Registered Representative can provide you with a contract and fund prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or send money.

Please remember that all investments carry some level of risk, including the potential loss of principal invested. They do not typically grow at an even rate of return and may experience negative growth. As with any type of portfolio structuring, attempting to reduce risk and increase return could, at certain times, unintentionally reduce returns.

Typical Costs In choosing an annuity product that will best serve your needs, it is also important to take the costs into consideration. Fixed Annuities: Typically, there are no additional charges or fees because the expenses have been calculated into the interest rate the insurance company pays. Variable Annuities: As is the case with all investment products, expenses and fees apply and vary from insurance company to insurance company. The most common are mortality and expense fees, portfolio fees, and contract fees.

Withdrawal charges typically apply in the early years of a deferred fixed or variable contract and are deducted from amounts you take out. The cost for any available optional benefits and riders included with the annuity would be added, in addition to the fees previously mentioned.

All securities and advisory services are offered through Northwestern Mutual Investment Services, LLC (NMIS), 1-866-664-7737. A broker-dealer and registered investment adviser, member FINRA and SIPC.
Not all network representatives may be able to sell all products and services. Only Financial Advisors can provide advisory products and services through the NMIS registered investment advisor.

Ralph J Rotman, CLU®, ChFC®, AEP®, CAP®

Financial Advisor