No two investors are exactly alike.
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
- Money Markets
- Variable Annuities
- Advisory Products
- 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.
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.