Mutual Funds

A mutual fund pools money from many investors who share the same invest­ment objec­tive as the fund. Mutual funds give every­day investors a vari­ety of invest­ment oppor­tu­ni­ties.  Investor’s in Mutual funds ben­e­fit from the knowl­edge and expe­ri­ence of pro­fes­sional invest­ment man­agers who are ded­i­cated to secu­rity analy­sis, eval­u­a­tion and selec­tion. Investors can have imme­di­ate access to their money by sell­ing shares at the fund’s net asset value.  Because mutual funds gen­er­ally invest in a wide range of secu­ri­ties, like stocks and bonds, they pro­vide easy diver­si­fi­ca­tion. And because mutual funds are sold in shares, no mat­ter how much you invest, you own a pro­por­tion­ate amount of all the fund’s hold­ings.  Cus­tody, tax report­ing and record keep­ing are among the many ser­vices mutual fund com­pa­nies pro­vide in a highly cost-effective manner.

Vari­able Annuities

A vari­able annu­ity is a per­sonal retire­ment strat­egy that can pro­vide you with a solid foun­da­tion for your finan­cial future.  You may choose among a full range of pro­fes­sion­ally man­aged invest­ment port­fo­lios.  Your invest­ment return will then fluc­tu­ate over time reflect­ing the per­for­mance of the invest­ment port­fo­lios you choose.  Your vari­able annu­ity invest­ment pro­vides for tax-deferred growth. You don’t pay any cur­rent taxes on earn­ings until they are with­drawn.  One of the most unique aspects of a vari­able annu­ity is the guar­an­tee you can place on your invest­ments.  Vari­able annu­ities often pro­vide invest­ment value pro­tec­tion by offer­ing guar­an­teed death and liv­ing ben­e­fits. The death ben­e­fit guar­an­tees invest­ment amounts for your ben­e­fi­cia­ries and liv­ing ben­e­fits pro­tect invest­ments amounts for you. Addi­tion­ally, to pro­tect against out­liv­ing your income, all vari­able annu­ities pro­vide for life­time income options, which can spread tax­a­tion over a lifetime.

• Vari­able annu­ities are sold only by prospec­tus. Please con­sider the invest­ment objec­tives, risks, charges, and expenses care­fully before invest­ing. The prospec­tus, which con­tains this and other infor­ma­tion about the invest­ment com­pany, can be obtained from Chap­man Wealth Management.
• With­drawals of earn­ings from an annu­ity are taxed as ordi­nary income and, if taken prior to age 59 1/2 may be sub­ject to a 10 per­cent penalty. Gen­er­ally, annu­ity con­tracts have mor­tal­ity and expense charges, as well as other account and admin­is­tra­tive fees.
• Vari­able annu­ities used within qual­i­fied plans do not offer addi­tional tax defer­ral benefits.

Man­aged Accounts

Because every investor is unique, our invest­ment pro­grams are designed to link your spe­cific invest­ment needs to the appro­pri­ate method of pro­fes­sional invest­ment man­age­ment. In a world when tra­di­tional secu­ri­ties analy­sis and port­fo­lio man­age­ment are being ques­tioned as out of date in rela­tion to the “new” era of day trad­ing, we are com­mit­ted to pro­vid­ing per­son­al­ized invest­ment man­age­ment ser­vices to indi­vid­ual, fam­i­lies, and fidu­cia­ries. We empha­size that each client has unique needs and goals that deserve to be addressed dif­fer­ently. This approach has ben­e­fited clients of our firm for many years, and we believe it will remain a suc­cess­ful approach into future decades.