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Asset Management

Asset management is a discipline used to maintain and grow a variety of investment vehicles, such as stocks, bonds, mutual funds, fee-based accounts, and annuities.


A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.

Fee-Based Accounts

A fee-based account is a type of investment account in which the advisor's compensation is based on a set percentage of the client's assets instead of on commissions.


A bond is a type of asset that is actually a debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate. Bonds are used by companies, municipalities, states and U.S. and foreign governments to finance a variety of projects and activities. Bonds are commonly referred to as fixed-income securities and are one of the three main asset classes, along with stocks and cash equivalents.


An annuity is a financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash-flow for an individual during their retirement years. Annuities can be structured to provide fixed periodic payments to the annuitant or variable payments. The different ways in which annuities can be structured provide individuals seeking annuities the flexibility to construct an annuity contract that will best meet their needs.

Mutual Funds

Mutual funds are a type of investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to maximize capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.