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| Financial Planning | Insurance Planning | Business Advisory |
Investment Planning
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Many of these topics may include products and services which are provided by Steward Partners Investment Solutions or affiliates and may not be available in all areas. Some of these services are provided by third parties including your personal tax advisor or attorney for matters involving taxation and tax planning and his or her personal attorney for matters involving trust and estate planning and other legal matters. For additional information please speak to your Wealth Manager.
The investments and services listed may not be appropriate for all investors. Steward Partners Investment Solutions, LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Wealth Manager. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Steward Partners Investment Solutions and Steward Partners Investment Advisors offers a wide array and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Wealth Manager to understand these differences. Please visit us at https://adviserinfo.sec.gov/Firm/283004 or consult with your Wealth Manager to understand these differences.
Options may not be appropriate for all investors.
Before engaging in the purchase or sale of options, clients should understand the nature and extent of their rights and obligations and be aware of the risks involved, including, without limitation, the risks pertaining to the business and financial condition of the issuer of the underlying security/instrument. Options investing, like other forms of investing, involves tax considerations, transaction costs and margin requirements that can significantly affect clients’ potential profits and losses. The transaction costs of options investing consist primarily of commissions (which are imposed in opening, closing, exercise and assignment transactions), but may also include margin and interest costs in particular transactions. Transaction costs are especially significant in options strategies calling for multiple purchases and sales of options, such as multiple leg strategies, including spreads, straddles and collars. Prior to opening an options account you should receive and review the "Characteristics and Risks of Standardized Options" (ODD) booklet published by the Options Clearing Corporation. Clients may not enter into options transactions until they have received, read and understood the ODD Disclosure Document. Prior to investing in options you should determine that options are an appropriate investment for you based on your investment needs and risk profile and have discussed transaction costs with your Financial Advisor or Private Wealth Advisor. A copy of the ODD is also available online at: http://www.theocc.com/about/publications/publicationlisting.jsp. Supporting documentation for any claims (including any claims made on behalf of options programs or the options expertise of sales persons), comparisons, recommendations, statistics, or other technical data, will be supplied upon request.
Structured Investments are complex and not appropriate for all investors, and there is no assurance that a strategy of using structured product for wealth preservation, yield enhancement, and/or interest rate risk hedging will meet its objectives.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results.
Steward Partners Investment Solutions, LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Tax laws are complex and subject to change. Steward Partners does not provide tax or legal advice.
When Steward Partners provides investment advice to you regarding your retirement plan (“Plan”) account or individual retirement account (“IRA”), we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act (ERISA) and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. On December 15, 2020, the Department of Labor (“DOL”) issued their final interpretation of who is a fiduciary under ERISA and the Internal Revenue Code as well a new class exemption, Prohibited Transaction Exemption (“PTE”) 2020 -02. PTE 2020-02 requires fiduciaries to comply with the impartial conduct standards which are:
- The fiduciary must provide advice in the “Best Interest” of the Retirement Investor
- The fiduciary must charge “reasonable” compensation for the services provided
- The fiduciary must avoid misleading statements about investment transactions, compensation, and conflicts of interest.
Please see important disclosures and information about our products, services and conflicts of interest, in the Client Relationship Summary, Supplemental Disclosures, and Form ADV; all of which are available at https://www.stewardpartnersis.com/Regulatory-Information-&-Disclosures.10.htm.
Steward Partners Investment Solutions, LLC (“Steward Partners”), its affiliates and Steward Partners Wealth Managers do not provide tax or legal advice. You should consult with your tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Brokered CDs are subject to interest rate risk. When interest rates rise, Brokered CDs prices fall; generally the longer a bond's maturity, the more sensitive it is to this risk. Brokered CDs may also be subject to call risk, which is the risk that the issuer will redeem the debt at its option, fully or partially, before the scheduled maturity date. The market value of Brokered CDs may fluctuate and proceeds from sales prior to maturity may be more or less than the amount originally invested or the maturity value due to changes in market conditions or changes in the credit quality of the issuer.
CDs may be insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.
For more information visit the FDIC website at www.fdic.gov.
INVESTMENTS AND INSURANCE PRODUCTS: NOT FDIC INSURED · NOT A BANK DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · NOT BANK GUARANTEED · MAY LOSE VALUE
You could lose money by investing in a Money Market Fund. Although a Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in a Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to a Money Market Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Money Market Mutual funds are sold by prospectus. Investors should carefully consider the investment objectives arid risks as well as charges and expenses of mutual funds including the underlying portfolios before investing. To obtain a prospectus, contact your Wealth Manager. The prospectus contains this and other information about the investment. Read the prospectus carefully before investing.
Securities and investment advisory services offered through Steward Partners Investment Solutions, LLC, registered broker/dealer, member FINRA/SIPC, and SEC registered investment adviser. Investment Advisory Services may also be offered through Steward Partners Investment Advisory, LLC, an SEC registered investment adviser. Steward Partners Investment Solutions, LLC, Steward Partners Investment Advisory, LLC, and Steward Partners Global Advisory, LLC are affiliates and separately operated.