Investment Strategies to Help You Plan for the Future
At FMS Financial Services, we offer a range of investment options designed to help you build and manage your portfolio based on your financial goals and risk tolerance. Whether you’re planning for retirement, education, or long-term growth, we provide guidance to help you make informed decisions.
Traditional Vs. Roth
When planning for retirement, selecting the right type of IRA can have a significant impact on your long-term savings strategy. Both Traditional and Roth IRAs offer tax advantages, but they differ in how and when you pay taxes. This short article illustrates the differences. Click to read.
Investment Options
Our ABC planning process helps us find the right balance for your financial portfolio and create a personalized plan tailored to your retirement goals. We evaluate options like annuities, mutual funds, stocks, bonds, insurance products, and tax-advantaged savings to build a diverse and flexible portfolio. This approach ensures your plan adapts to changing needs and market conditions, keeping you on track toward financial security.
Bonds
Bonds can provide a predictable income stream and diversification within your portfolio. We help you explore options that align with your financial goals.
Common Stock
Investing in common stock offers growth potential and the opportunity for dividends. We provide guidance on selecting stocks that fit your financial objectives.
Government Securities
Government-backed securities, including Treasury Bills, Treasury Notes, and other fixed-income investments, can play a role in a well-balance portfolio.
Treasury bills & treasury notes
Short-term Treasury Bills and longer-term Treasury Notes are options for investors looking for government-baked investments with varying maturity dates.
Fixed Indexed annuities
Fixed indexed annuities offer a blend of growth potential and principal protection. We can help determine if they align with your overall financial strategy
Check writing & debit card access
Some investment accounts offer check-writing privileges or debit card access for added convenience. We can help you explore these options based on your needs.
Retirement & Education Investment Accounts
Traditional IRA & Roth IRA
IRAs offer tax advantages for retirement savings. We can help you determines whether a traditional IRA or a Roth IRA is best suited for your needs.
SEP IRA & simple ira
For self-employed individuals and small business owners, SEP and SIMPLE IRA’s provide tax-advantaged retirement savings options.
Educational IRA
An educational IRA can help you save for future education expenses with tax-deferred growth potential.
Brokerage accounts
A brokerage account provides flexibility to invest in stocks, bonds, and other securities. We assist in selecting an account that aligns with your investment approach.
Build a strategy that fits your goals
Investing is a key part of financial planning. Contact us today to learn more about how we can help you build a strategy tailored to your goals and risk tolerance.