Broker Check

Charting Your Course Through Retirement



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a. Securities offered through Securities America, Inc., Member FINRA/SIPC and advisory services offered through Securities America Advisors, Inc. Niehaus Financial and the Securities America companies are unaffiliated.
b. Investments in model strategies may expose the investor to risks inherent within the model and the specific risks of the underlying investment directly proportionate to their allocation. All investments involve the risk of potential investment losses.
c. A defensive investment model is suitable for highly conservative investors, including those nearing or in retirement or requiring withdrawals of some of their invested assets within a three-to-five-year time frame. This portfolio will have up to 80% of the assets invested in fixed income and no more than 20% of the assets invested in equity.
d. A conservative investment model is suitable for conservative investors, including those nearing or in retirement or requiring withdrawals of some of their invested assets within a three-to-five-year time frame. This portfolio will have up to 60% of the assets invested in fixed income and no more than 40% of the assets invested in equity.
e. A balanced investment model is suitable for investors uncomfortable with an aggressive all equity strategy who nevertheless require a greater return to pursue their specific investment goals. This portfolio will have up to 60% of its assets invested in equity and up to 40% of its assets invested in fixed income.
f. An equity-tilted investment model is suitable for investors with longer time horizons who are willing to assume above-average shortterm volatility in pursuit of long-term growth. The portfolio will have up to 75% of its assets invested in equities and up to 25% of its assets invested in fixed income.
g. An equity investment model is suitable for long-term investors willing to accept greater risk in pursuit of growth potential. This portfolio will have up to 100% of its assets invested in equity.
h. Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantee against market loss or greater or more consistent returns.
i. Bonds are subject to interest rate risks. Bond prices generally fall when interest rates rise. The price of equity securities may rise, or fall because of changes in the broad market or changes in a company’s financial condition, sometimes rapidly or unpredictably. These price movements may result from factors affecting individual companies, sectors or industries, or the securities market as a whole, such as changes in economic or political conditions. Equity securities are subject to “stock market risk” meaning that stock prices in general may decline over short or extended periods of time.
j. Tax services offered through Niehaus Tax Services, LLC and legal services offered through Niehaus Law Office, LLC, both of which are unaffiliated with Securities America.