Personal Investment Services
Personalized Service and Professional Advice
Today there are a large number of ways to invest money in pursuit of a good return. That’s why American Heritage Investments provides easy access to a variety of quality products and services that suit your lifestyle and changing needs. American Heritage Investments is an experienced firm that works hard to meet your financial goals and dreams.
Enjoy the convenience of conducting your banking, investment and insurance activities at one location, right in your own community and with the people you know.
With a multitude of investments currently available, you need the knowledge and experience to make careful investment decisions in order to pursue your long-term financial goals. Investing is serious business; complex and time consuming. Few people have the time to keep pace with investments. Our investment professionals can help you develop a strategy to pursue your goals. Contact Us to schedule a consultation with a financial advisor at an AHB location near you.
Investment Advisor Representative offering advisory services and securities through Cetera Advisor Networks LLC, Member FINRA / SIPC. Cetera is under separate ownership from any other named entity. Cetera Advisor Networks LLC is not affiliated with the financial institution where investment services are offered.
Securities and insurance products are: Not FDIC/NCUSIF insured, may lose value, not financial institution guaranteed, not a deposit, not insured by federal government agency.
Stocks and Bonds
Stocks represent ownership of companies, and bonds represent loans made to companies. When you own stock, you share in the company’s profit, growth, and future, which may mean losses or gains.
Unlike stockholders who own equity in a company, bondholders are creditors. Bond prices rise or fall in relation to interest rates. The issuer is obligated to repay the principal and interest within a stated period of time. Corporations, states, municipalities and the federal government may issue bonds.
Mutual funds are a diversified, professionally managed portfolio of securities, typically including stock and/or bond holdings in dozens or more different companies. Your investment is pooled with those of thousands of other investors.
Mutual Funds: Investors should consider the investment objectives, risks, charges, and expenses of the funds before investing. The prospectus contains this and other information about the fund. Contact the registered representative to obtain a prospectus, which should be read carefully before investing or sending money.
Fixed annuities can be an important addition to your retirement savings program because the earnings are tax-deferred. Annuities combine the features of a mutual fund with an insurance contract and offer the benefits of tax-deferred growth. Annuities also offer regular income upon retirement. We offer a variety of annuities with multiple features and benefits. We can help you decide if an annuity is right for your portfolio. A 10% IRS penalty may apply to withdrawals prior to age 59 1/2.
Fixed Annuities: There is a surrender charge imposed generally during the first five (5) to seven (7) years that you own the contract. Withdrawals prior to age 59 1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company.
Unit Investment Trusts
Unit Investment Trusts (UITs) are a professionally selected, fixed portfolio of stocks, bonds, or a combination of both with a fixed maturity.
Unit Investment Trusts: Investors should consider the investment objectives, risks, charges, and expenses of the unit investment trust carefully before investing. The prospectus contains this and other information about the unit investment trust. Contact the registered representative to obtain a prospectus, which should be read carefully before investing or sending money.
Retirement Plans and IRAs
More people than ever before are now eligible to take advantage of the incredible tax benefits available through IRAs. There are a number of different types of IRAs, including employer provided plans and individual plans.
Our retirement specialists can work with you to choose the best retirement plan to meet your needs and time-frame.
Investing for Retirement
What’s more important than planning for your future? Now more than ever it’s important to plan for what you need for tomorrow. We’ll help you sort through the alternatives.
Traditional IRA Take advantage of tax-deductible contributions and build your assets on a tax-deferred basis.
Roth IRA The main advantage of a Roth IRA is its tax structure. While you cannot deduct contributions to a Roth IRA, qualified distributions are tax free if you satisfy specific requirements.
Rollover IRA Easily transfer your current retirement assets into a new account that you have control over, whether you have changed jobs, retired or are receiving a lump-sum distribution from a company sponsored retirement plan.
Annuities An alternative to a retirement savings plan, annuities offer the benefits of tax-deferred growth with withdrawal flexibility at retirement, along with a variety of income choices. A 10% IRS penalty may apply to withdrawals prior to age 59 1/2.
Investing for Education
How will you provide for the education your children deserve? One of the best gifts you can give your children or grandchildren is a college education without the financial burden of loans they’ll have to repay in the early years of their careers. We’ll help you explore your options.
529 College Savings Plans Invest a small or large amount to shift a portion of your estate to future generations, or fund your own higher education if you’d like. You’ll have high annual contribution limits, plus tax free earnings and withdrawals, as long as funds are used for qualified expenses.
529 College Savings Plans: Before investing, the investor should consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 Plan.
Coverdell IRA Formerly known as an Education IRA, these plans allow you to invest tax free up to $2000 per beneficiary, per year, if you use the money for qualified educational costs.
UTMA / UGMA Accounts These types of accounts allow you to give gifts to a minor including cash, mutual funds, life insurance, annuities and more. Although you are the custodian, the account has the child’s social security number attached to it, providing some income tax benefits.
Additional funding sources Our investment professionals can discuss other ways to invest for education, including:
- Life Insurance
- Zero Coupon Bonds
- Other IRAs
- Tax-efficient Funds
When you have significant dollars to invest, you need to be sure your returns are competitive and consistent with your ability to assume risk. Our goal is to help you meet your objectives. We’ll work with you to build a comprehensive investment strategy and save you time and money by reviewing your retirement, estate, and charitable planning objectives.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither American Heritage Investments nor any of its representatives may give legal or tax advice.
This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.