Account statements provide information such as account value summary, realized gain (loss), account value detail, securities purchased or sold, deposits and withdrawals, dividends and interest, and other debit and credit activity.

Estate Planning typically has three stages: Accumulation, Preservation and Distribution. Generally speaking, the accumulation phase usually is considered your working years where you are building your estate, the preservation stage is your retirement years and you are living off your assets and the third stage involves distributing your estate to your heirs. It is recommended you engage an attorney who can draft the legal documents you may need like a will, power of attorney and trusts to address your goals.

A Traditional Individual Retirement Account (IRA) is a retirement account created for individuals to set aside money each year for retirement. The earnings are tax-deferred until they're able to make withdrawals at 59½ years of age or older, and is then taxed as regular income.

There are many benefits to opening an IRA, including potential tax-deductible contributions, deferred taxes on earnings until you start making withdrawals, and the option to use your IRA to withdraw money (up to $10,000 penalty free) for a first-home down payment. Other penalty-free withdrawals include, but are not limited to, qualified higher education expenses, qualified first-home purchase (lifetime limit of $10,000), certain major medical expenses, certain long-term unemployment expenses, and disability or substantially equal periodic payments.

There are generally three types of annuities. A Fixed Rate annuity is typically more conservative and offers predictable returns, an Index Annuity offers a combination of potential growth and downside protection, while a Variable Annuity offers an array of investment choices and is typically for investors with a higher risk tolerance.

You can reinvest dividends on any United Kingdom stock or mutual fund held in your account at no charge. This service is available on all dividend-paying stocks and mutual funds listed on any exchange and any Nasdaq issue. Your account will automatically be credited with cash in lieu of fractional shares. Dividend monies will be reinvested in the open market on your behalf by placing a market order prior to the opening on the dividend payable date. You can set-up or make changes to your dividend reinvestment for any or all securities held in your account by contacting us .