For more information on products and services offered by Nations Wealth Management & Financial Services, Inc., please contact the Bank at (815) 933-0570 to set up an appointment with Lawrence Barbi.
DISCLOSURE
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss.
In general, the bond market is volatile as prices rise when interest rates fall and vice versa. This effect is usually pronounced for longer-term securities. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or of the principal or interest of a bond. Bonds are also subject to other types of risks such as call, credit, liquidity, interest rate, and general market risks.
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 1/2 will result in a 10% IRS penalty in addition to current income tax. Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bank of Bourbonnais and Nations Wealth Management & Financial Services are not registered as a broker-dealer or investment advisor.
Registered representatives of LPL offer products and services using First Nations Bank and Nations Wealth Management & Financial Services, and may also be employees of First Nations Bank and Nations Wealth Management & Financial Services. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of First Nations Bank and Nations Wealth Management & Financial Services. Securities and insurance offered through LPL or its affiliates are:
Not FDIC Insured | Not Bank Guaranteed | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit
The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.