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Mutual Funds

A collection of stocks, bonds, or other securities purchased and managed by an investment company with funds from a group of investors. The return and principal value of mutual funds fluctuate with changes in market conditions. Shares when sold, or redeemed, may be worth more or less than their original cost.

Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

Insurance-based contracts that provides future payments at regular intervals in exchange for current premiums. Annuity contracts are usually purchased from banks, credit unions, brokerage firms, or insurance companies. Any guarantees are contingent on the claims-paying ability of the issuing company.

Bonds & Fixed Income
CFG Investments/ Cetera offers fixed-income investments like Corporate & Municipal bonds, and U.S. Treasuries.
Stocks & Exchange-Traded Funds (ETFs)
Trade ETFs and individual securities. ETFs are securities that track an index, commodity or basket of assets like an index fund, but trades like a stock on an exchange.

Having inadequate insurance protection undermines the financial foundation of everything you do––from building your career to raising your family. That’s why CFG Investments/ Cetera offers all forms of Life, Disability, and Long-Term Care Insurance.
Individual Retirement Accounts (IRAs)
Self-directed Traditional IRAs and Roth IRAs deliver more options, allowing you to choose from a full spectrum: stocks, bonds, mutual funds, unit investment trusts and more.

  • Traditional IRA
    • Contributions to a traditional IRA are deductible from earned income in the calculation of federal and state income taxes if the taxpayer meets certain requirements. The earnings accumulate tax deferred until withdrawn, and then the entire withdrawal is taxed as ordinary income. Individuals not eligible to make deductible contributions may make nondeductible contributions, the earnings on which would be tax deferred.
  • Roth IRA
    • A nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply.

Retirement Plans
Your business needs are unique and your retirement plan should closely align with your goals. We can help make selecting one easier by walking you through every step and help you build the optimum retirement plan for your situation.  Plan options include 401Ks, 403Bs, Simple IRAs, and Simplified Employee Pensions (SEPs).
College Savings
Financing a higher education for someone important to you is a challenge you don’t have to face alone. CFG Investments/Cetera offers personal financial services, a full line of investment products including 529 Plans and CESAs (Coverdell Education Savings Account).

Brokered CDs
Today, you have a greater selection of CD varieties available to you. More options provide flexibility to select the type of CD that best fits your investment choices. CFG Investments/ Cetera offers Traditional CDs, Index CDs and Callable CDs to help you meet your short and longer term cash needs.


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