Legend Group Financial Professionals offer a wide range of products and services to meet your investment planning needs. They can work with you to assess your investment objectives, time horizon and tolerance for risk. Your Financial Professional can then help you set attainable goals, and develop and maintain a comprehensive investment program designed to help you reach them.
Speak with a Legend Group Financial Professional to find out which investment options align with your goals.
With a Legend Group Financial Professional, you have access to a variety of investment vehicles, including:
Fixed Annuities
Variable Annuities
Stocks
Mutual Funds
Bonds
Money Market Instruments
In reference to general account obligations and guarantees, such as is present with fixed annuities, the ability for the insurance company to meet these obligations to policyholders are subject to sufficient capital, liquidity, cash flow and other resources of the insurance company. A variable annuity is an insurance contract which offers three basic features: (1) annuity payout options that can provide guaranteed income for life; (2) a death benefit; and (3) tax-deferred treatment of earnings. The value of the separate account of variable annuities is not guaranteed and will fluctuate in response to market changes and other factors. Variable annuities are designed to be long-term investments and early withdrawals may be subject to tax penalties and charges. Actual investment return and principal value of variable annuities and mutual fund investments will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. The U.S. Securities and Exchange Commission has suggested to investors (Investor Tips: Variable Annuities) that since a tax-qualified retirement plan (e.g., 403(b) plan) already has tax-deferral advantages, for most investors it would be advantageous to make the maximum allowable contribution to a tax-qualified retirement plan before investing in a variable annuity. Variable annuities differ from mutual funds in that they provide lifetime income payments and death benefit protection. A plan of regular investing does not assure a profit or protect against loss in a declining market. You should consider your financial ability to continue your purchase throughout periods of fluctuating price levels. Please obtain a prospectus for complete information including charges and expenses. Read it carefully before you invest or send money. None of the information in this document should be considered as tax advice. You should consult your tax advisor for information concerning your individual situation. There are inherent risks in investing in securities. You should consider the investment objectives, risks, charges and expenses before you invest or send money. Volatility including fluctuating prices and the uncertainty of rates of return inherent in investing in stocks and bonds over extended periods of time will affect the actual return received. In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities). Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. Lower-quality fixed income securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. Any fixed-income security sold or redeemed prior to maturity may be subject to loss. An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
