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Investment Services

Cetera Investment Services is proud to be part of the comprehensive financial services located at Security Bank & Trust Company and Security Bank Waconia.

Today, people are increasingly aware that there are a great number of ways to invest money. They want to choose from a full spectrum of investment products. 

Cetera Investment Services LLC is an experienced brokerage firm, providing services to the customers of nearly 500 financial institutions nationwide. Whether you are a conservative, middle-of-the-road, or aggressive investor, Cetera Investment Services provides financial opportunities for investors like you. 

To learn more about the full range of products available to meet your investment needs contact the Cetera Investment Services Investment Executive at your local branch for an appointment today. See Ellen Felmlee at the Glencoe location.

 

Mutual Funds

Mutual Funds are a favorite investment vehicle for many Americans. They offer diversification, professional management, and may be invested in U.S. Government securities, stocks, corporate bonds, municipal bonds, or in a combination of these options. With Cetera Investment Services there are many fund families to choose from. Whether you're a conservative, moderate or aggressive investor, there's a mutual fund to fit your investment goals.

Mutual Funds are available for:

  • Individual or joint accounts
  • Traditional IRAs
  • Roth IRAs
  • Coverdell Education Savings Accounts (formerly Education IRA)
  • 529 College Savings Plans
  • UTMA (Uniform Transfer to Minor Account)

Mutual Funds are sold by prospectus. Investors should carefully consider the funds investment objectives, risks, charges and expenses before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Financial Advisor. Please read the prospectus carefully before investing.

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Annuities

Annuities are tax-deferred investment products offered by insurance companies. Fixed and variable annuity contracts are available through Cetera Investment Services.

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Individual Retirement Accounts

Traditional IRA

  • Tax-deferred earnings
  • Tax deduction for qualified taxpayers
  • Can be used to receive a direct rollover from your employer plan
  • Investment options include mutual funds and annuities

Consider a Traditional IRA if:

  • You are looking for a tax deduction
  • You anticipate being in a lower tax bracket in retirement

Roth IRA

  • Tax-free earning on qualified distributions
  • Non-deductible contributions
  • No required distributions at age 70 1/2
  • Investment options include mutual funds and annuities

Consider a Roth IRA if:

  • You do not qualify for a deduction on the Traditional IRA
  • You expect to be in a higher tax bracket at retirement
  • You want your money to grow tax-free

IRA Contribution Limits - You may contribute 100% of your earned income up to the amount of the maximum annual contribution limit of $5,500.00.

"Catch-up" Provision - Individuals 50 or over before the close of the tax year can make an additional contribution of $1,000.

Direct Rollover - A direct rollover moves money from your employer 401(k) or retirement plan to a Traditional IRA.  This is not a taxable event.  If you have questions concerning a direct rollover or need help completing the paperwork, stop in the Cetera Investment Services office at Security Bank & Trust Co. of Glencoe & Security Bank Waconia.

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Education Savings

Coverdell Education Savings Account - (formerly the Education IRA)

  • Contributions are non-deductible
  • $2,000 annual contribution limit per beneficiary
  • Contributions may be made for children younger than 18
  • Accounts must be used by age 30
  • Mutual fund investment options
  • Earnings are tax-free if used for qualified education expenses

529 College Savings Plans

  • Contributions are non-deductible
  • High contribution limits (limits of $200,000 & over available)
  • No age limitations on contribution or distributions
  • Mutual fund investment options
  • Earnings are tax-free if used for qualified higher education expenses

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Small Business / Self Employed Retirement Plans

SEP and SIMPLE accounts are retirement plans for self-employed individuals and small business. If you have questions about how these plans can benefit you, contact the Cetera Investment Services account representative at Security Bank & Trust Co. of Glencoe & Security Bank Waconia.

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA / SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

View Cetera Investment Services privacy policy and other important information.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera, nor any of its representatives, may give you legal or tax advice.

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