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Investment Planning

Whether working to achieve financial security, or nurturing existing assets, it is important to plan ahead so you enjoy a comfortable retirement. Superior Financial Services is dedicated to providing you with access to many investment options. You may invest in:

Fixed Annuities

A guaranteed* fixed annuity rate that may vary or fluctuate over time. The interest is tax-deferred until withdrawn. Upon death, the value does not go through probate because you name a beneficiary. This is designed for longer term investors who do not want any market risk and want tax-deferred growth.

Equity-Indexed Annuities

A fluctuating growth rate that has a guaranteed* minimum (floor) interest rate. Some annuities guarantee a minimum rate on a certain percentage of the premium. Its maximum rate may or may not be capped depending on the contract. The interest is tax-deferred until withdrawn. Upon death, the value does not go through probate because you name a beneficiary. This is designed for longer term investors who would like returns linked to the stock market without the downside market risk and want tax-deferred growth. Loss of principal is possible.

Variable Annuities

A non-guaranteed growth rate that will fluctuate with the stock market. You may choose between many different investments varying from conservative to aggressive. Upon death, the value does not go through probate. If you are 75 or younger, the death benefit can be guaranteed* to be at least the value of the principal you started with. A living benefit rider can also be guaranteed*. This is designed for longer term investors who want the potential to achieve maximum returns over time and who want tax-deferred growth*. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of the investor’s unit, when redeemed, may be worth more or less than their original value. Optional riders available may involve additional fees.

Mutual Funds

A non-guaranteed growth rate that will fluctuate with the stock market and upon redemption shares may be worth more or less than amount invested. Upon death, the value is usually probatable unless you designate a TOD (transfer on death). This is designed for longer term investors who want to pursue maximum potential returns over time.

Stocks

Through a brokerage account you may buy individual stocks. The upside is unlimited. You can also lose all of your investment if the stock that you purchased becomes worthless. This type of investment is for those members with higher net worths who want to choose their own investment and where the primary goal is capital appreciation.

Bonds

Through a brokerage account you may buy individual bonds. They can be fairly secure, tax-free or even speculative depending upon your goals. Bonds are usually designed to provide a stream of income.

*All guarantees are based on the claims paying ability of the issuing company. Annuities are long-term vehicles designed for retirement purposes. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax. Surrender charges apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. All securities are subject to fees and expenses.

Securities and insurance products offered through LPL Financial or its licensed affiliates. Member FINRA/SIPC. Superior Financial Services and Superior Credit Union are not registered broker/dealers and are not affiliated with LPL Financial. Not NCUA insured, may involve loss of principal, no credit union guarantee.

 

Tracy Strous
1205 E. Kibby Street
Lima, OH 45807
419-879-3504
tracy.strous@lpl.com
Joe Reinemeyer
4230 Elida Road
Lima, OH 45807
419-879-4836
joseph.reinemeyer@lpl.com
Jan von der Embse
1381 N. Perry Street
Ottawa, OH 45875
419-879-4841
jan.vonderembse@lpl.com
Timothy Niebel
2857 Blue Jacket Ct
Lima, OH 45806
419-879-4837
timothy.niebel@lpl.com
Richard Brodman
203 N. Sandusky St.
Tiffin OH 44883
419-436-4825
Richard.Brodman@LPL.com
 
 

Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

 
 

 

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