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Retirement Planning



Gone are the days of pensions and guaranteed social security benefits that our grandparents relied on for income after retirement. Today, you need to take control of your financial future in order to continue your current lifestyle once you've retired… and Ganim can help design a plan that will help you achieve your goals and objectives.

Stocks, Bonds: Traditional investment instruments included in most financial portfolios.

State & Government Tax-Free Bonds: Unsecured bonds issued by federal, state or provincial governments; regarded as the highest grade issues available.

Government Securities: Securities issued by the U.S. Treasury or federal agencies.

Annuities: Life insurance company contracts that provide a series of periodic payments for a specified period or lifetime.
    Fixed Annuities: Contracts issued by an insurance company allowing for a fixed rate of interest in both the accumulation and income phases; periodically adjusted by the insurance company.

    Private Annuities: Private annuities are frequently used in estate planning. Usually, an older family member (e.g., a parent) "sells" property, such as interests in the family business or other securities, to the younger family member (e.g., a child) in exchange for a private life annuity.

Limited Partnerships: Limited partnerships pool the money of investors to develop or purchase income-producing properties. When the partnership subsequently receives income from these properties, it distributes the income to its investors as dividend payments.

Hedge Funds*: Funds which are extremely flexible in their investment options because they use financial instruments generally beyond the reach of mutual funds, which have SEC regulations and disclosure requirements that largely prevent them from using short-selling, leverage, concentrated investments and derivatives. This flexibility gives hedge funds the ability to best manage investment risks. Investing in hedge funds are speculative, not suitable for all clients and intended for experienced and sophisticated investors who are willing to bear the high economic risks of the investment, which can include: loss of all or a substantial portion of the investment due to leveraging, short-selling or other speculative investment practices; lack of liquidity in that there may be no secondary market for the fund and none expected to develop; volatility of returns; potential for restrictions on transferring interests in the fund; potential lack of diversification and resulting higher risk due to concentration of trading authority with a single advisor; absence of information regarding valuations and pricing; potential for delays in tax reporting; less regulation and typically higher fees than other investment options such as mutual funds.

Also Available:
Mutual Funds
International/Global Money Market Funds
Unit Investment Trusts
Variable Annuities

*Alternative Investments are often speculative, lack liquidity, lack diversification, are not subject to the same regulatory requirements as securities and mutual funds, may involve complex tax structures and delays in distributing important tax information, and may involve substantial fees. These products often execute trades on non-U.S. exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in U.S. markets. These investments may not be appropriate for all investors.

 		 

Securities offered through Registered Representatives of NFP Securities, Inc. (NFPSI), Member FINRA/SIPC.
Investment Advisory Services offered through Investment Advisor Representatives of NFPSI.
The Ganim Group, Inc. is a member of PartnersFinancial, an affiliate of NFPSI.
The Ganim Group, Inc. and NFPSI are not affiliated.

NFP Securities, Inc. does not provide tax or legal advice. Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax, and legal counsel.

This site is published for residents of the United States only. Registered Representatives and Investment Advisor Representatives of NFPSI may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the NFPSI Compliance Department at 512-697-6000.