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 sub­ject to sur­ren­der charges and involve risk, includ­ing pos­si­ble loss of prin­ci­pal invest­ed. Guar­an­tees are based on the claims pay­ing abil­i­ty of the issu­ing insur­ance com­pa­ny.
  • 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 12 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.