Your financial advisor with Bremer Investment Services can work with you to identify and acquire specific stocks that may align with your portfolio. We provide ongoing monitoring and advice to determine your portfolio’s value, allocate any dividends, and make decisions about future ownership of the particular stocks you hold.
For clients with a lower risk tolerance, we may recommend bonds. Your investment representative may look to bonds as a fixed-income alternative, or addition to, stock ownership in your portfolio.
Depending on your situation, we may also recommend suitable investments to complement your portfolio.
An annuity is an insurance product that pays you periodic income payments in exchange for your premium payment. It can be used as part of your overall retirement strategy. Depending on the type of annuity, it may help you grow your retirement savings, protect your savings from loss, and offer death benefits to protect your beneficiaries.
The idea of buying stocks and bonds may have you shaking in your boots; however, many of today’s most popular investment vehicles hold some types of stocks. Typically, bonds are more secure than stocks but have a lower return. Your Bremer Investments financial advisor can help you navigate the complex world of each and determine a strategy suitable for you.
Many people who have worked for a company for a long time, including executives, often accrue a concentrated stock holding in one company (usually their employer). This can often pose a problem for the investor in terms of lack of diversification, tax issues and liquidity. Our professional financial advisors understand the unique situation of concentrated stock positions and will work with you on how they fit in your overall investment strategy.
Most tax-exempt investments come in the form of municipal bonds (munis), which represent obligations of a state, territory or municipality. For some investors, U.S. savings bond interest may also be free from federal income taxes. Investors often overlook these types of investments when building a portfolio. Due to the potential for lower investment taxes and regular income, your financial advisor will work with you to consider whether munis are a good fit for the fixed income portion of your portfolio.*
Interest from municipal bonds may be subject to or exempt from federal income tax. Bonds with exempt interest may be subject to the federal alternative minimum tax, or state or local taxes.
* Raymond James does not provide any tax advice.
This refers to an investment that is not one of the three traditional asset types (stocks, bonds and cash). Most alternative investment assets are held by institutional investors or accredited, high-net-worth individuals because of their complex nature, limited regulations and relative lack of liquidity. Alternative investments include hedge funds, managed futures, real estate, commodities and derivatives contracts. Depending on your situation, your Bremer Investments Advisor may recommend alternative investments as an investment strategy.