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An essential component of financial planning is advising clients on investment selection.
Some clients ask their advisors to go a step further and design a portfolio that
is specifically designed for them. To help a client with his/her investment strategy,
the financial planner needs to understand the client's expected rate of return,
risk tolerance, and comfort level with the different investment vehicles that are
available. Each investment has its unique characteristics that make it suitable
for some clients and not for others. In addition to considering the risk and return
characteristics of investment, a financial planner can also help with designing
a tax-efficient investment strategy that could improve the net performance of that
Your Hantz Financial Servicestm (HFS) financial
advisor will analyze your situation using an appropriate level of
financial planning so that an optimal investment portfolio recommendation
can be made and a long-term investment management strategy can be implemented.
There are numerous investment vehicles in the market place today; here is a description
of some of the most common:
Money Market accounts are usually liquid to the
investor, although some might have a limitation on the number of monthly checks
that can be written against the deposit. Money Market Funds are a type of mutual fund
that invests in high quality short-term, debt securities, pays dividends that gernerally
reflect short-term interest rates, and seeks to maintain a stable net asset value per share
(typically $1.00). An investment in a Money market Fund is not insured or guaranteed by the
Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks
to preserve the value of your investment at $1.00 per share, it is possible to lose money by
investing in the Fund. As with any mutual fund you should review the prospectus and consider
the impact of fees on your investment.
Stocks and Bonds are individual securities that can be
traded in different markets using a brokerage account. Stocks represent an ownership
interest in a company and are usually used by clients looking for long-term growth,
while Bonds represent a debt to the company and produce income to the investor.
A Mutual Fund is a convenient way for investors to diversify
their holdings and get professional management in one investment. A Mutual Fund
may hold stocks or bonds of hundreds or even thousands of companies. Each fund has a different investment goal that
the manager attempts to achieve through security selection and management. Investors
in Mutual Funds own a piece of the hundreds of companies in which the fund is invested.
A Variable Annuity allows you to invest money on a tax-deferred
basis. Money can be invested in a multitude of professionally managed sub-accounts
based on a suitable asset allocation model. A variable annuity is suitable for long-term
investing, particularly retirement. While earnings in a variable annuity grow income tax
deferred, withdrawal of earnings are taxed as ordinary income. There may be product company
charges for early withdrawal of funds and there may be income tax penalties for withdrawal of
funds before age 591/2.
Distributions can be made at a later date as needed in a lump-sum or systematically over
your life. Consult your tax advisor before investing in this product.
A Fixed Annuity is a tax-deferred investment that earns
a fixed interest-rate without exposure to market fluctuations. This type of investment
is usually used by people who are near or in retirement in order to build retirement
income. Several income and distribution options are available to satisfy retirement
income needs. Consult your tax advisor before investing in this product.
Consult your HFS Financial Advisor regarding your investment portfolio design and
Investment products - including shares of mutual funds - are not federally or FDIC-insured.
They are not deposits in, obligations of, or guaranteed by any financial institution,
and they involve investment risks including possible loss of principal and fluctuation
consider the investment objectives, risks, charges, and expenses (such as market risk, product
company fees and expenses, sales charges mortality and expense charges, administration fees
and annual contract fees, where applicable) of a variable annuity or
mutual fund before investing. For a free copy of a prospectus, which contains this
and other information about a variable annuity contract and the underlying sub-account
or a mutual fund, call your investment advisor or (248)
304-2855. Read the prospectus carefully before investing.
For a free consultation with a specialist, please provide us with the following information:
Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies,
including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC
(an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC
(specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an
employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz
Technology, LLC (a computer technology company), Hantz Group Sports &
Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor
soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC
(a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); United Beverage Group, LLC (a
beverage company), Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz
Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real
estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.