The foundation of the Private Client Group’s investment philosophy is that bonds are an important component of a strategically balanced portfolio at every stage of an investor’s life. As one of the nation’s leading underwriters of and market-makers in fixed-income securities, we know that these investment instruments can:
- Provide financial stability to help buffer against the volatility of the stock market
- Pay a steady stream of income, often tax-free, that may bring substantial benefit in terms of both lifestyle and retirement planning
- Offer higher rates of return to help grow an entire investment portfolio.
Long-term Counselors
Stone & Youngberg’s Private Client Group advisers offer a mix of tax-exempt securities, along with various other investments, to help clients meet their financial goals at each stage of their lives. Clients frequently tell us that they appreciate our ability to communicate complex financial issues clearly, so that they fully understand all the implications of the portfolio planning process. We serve our clients as trustworthy counselors who understand all aspects of wealth planning and management, and who can adapt investments to each family’s situation as needs and plans evolve. Clients may work with us during the course of years, or even decades. They are treated as valued partners whose personal needs are paramount.
Fixed-Income Investments
Depending on client goals, tax situations, and risk tolerance, we recommend fixed-income investments from a wide array of domestic and international securities. Within each broad bond market sector, the Private Client Group offers securities from different issuers, with different credit ratings, coupon rates, maturities, yields, and other features, all with varying levels of risk and reward. The range of instruments we recommend to clients encompasses:
- Municipal bonds
- U.S. Treasuries and agencies
- Collateralized mortgage obligations
- Corporate bonds
- International bonds
Managed Accounts and Investment Advisory Services
Stone & Youngberg’s Private Client Group offers a wide range of estate and retirement planning strategies and tools to help clients understand the financial decisions they face and the best planning options to address them. Our goal is to work in partnership with our clients so that they will make the best investment choices to secure a financially sound retirement for themselves and their families. Because every client’s needs are different, we can craft financial plans tailored to a wide range of circumstances.
Retirement Plans
We advise on retirement plans of all types. Our investment executives help clients navigate through the complex details of employer insurance, benefit and pension plans, and tax-deferred compensation. We can also structure tax-efficient distributions and rollovers from retirement plans and Individual Retirement Account. In addition, Stone & Youngberg can integrate existing 401(k) plans into an overall retirement financial plan.
Other Investment Tools
Our clients have earned their financial assets. That’s why Stone & Youngberg is committed to helping investors manage and protect their accumulated wealth through effective tax, investment, and personal planning strategies that employ a wide range of investment vehicles in addition to tax-exempt securities. Our Private Client Group provides personalized investment solutions that maximize financial benefits while minimizing taxes. Our investment managers can enhance a diversified financial strategy by integrating a variety of tools and planning options such as:
- Profit-sharing plans
- 529 college savings plans
- Equity investments
- Insurance and annuities
- Mutual funds
- Preferred stock
- Fixed-income securities