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Advice-Based Investing and Brokerage

Professional Money Management

A financial consultant works with you to develop a customized blend of diversified assets while providing on-going management.

The relationship that is developed begins with an initial consultation, which helps the Investment Advisory Representative understand your financial situation, including investment history, short and long term needs and special interests or concerns. On-going, periodic consultations allow for assessment of your changing needs and recommendations for adjustments as appropriate.

Your portfolio is designed by selecting the most appropriate investments based on an analysis of your goals and situation. Upon your approval, the portfolio plan is implemented. Regular reviews of your asset mix, your needs and the changing marketplace help to maintain integrity throughout your portfolio. As time goes by, updates to your portfolio will be recommended as appropriate.

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Stocks

Stocks are ownership of a corporation represented by shares that are a claim on the corporation's earnings and assets.

Common stock usually entitles the shareholder to vote in the election of directors and other matters taken up at shareholder meetings or by proxy. Preferred stock generally does not confer voting rights but it has a prior claim on assets and earnings – dividends must be paid on preferred stock before any can be paid on common stock.

A Corporation can authorize additional classes of stock, each with its own set of contractual rights.¹

¹Barron's, p.435.

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Bonds

A bond is any interest-bearing or discounted government or corporate security that obligates the issuer to pay the bondholder a specified sum of money, usually at specific intervals, and to repay the principal amount of the loan at maturity. Bondholders have an IOU from the issues, but no corporate ownership privileges, as stockholders do.¹

There a number of different types of bonds that can be incorporated into a financial plan.

¹Barron's, pp.42-43.

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Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. DCU and DCU Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. The DCU Financial site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, CT, CO, FL, GA, IL, MA, MD, MO, NC, NH, NJ, NY, OH, PA, RI, SC, TX, UT, VA, VT, and WA.

Not NCUA Insured.

Not Credit Union Guaranteed.

May Lose Value.

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