Retirement Plan

US bonds is the term used around here to describe a Savings Bond that is no longer earning interest. As of this morning, this includes all Series US Savings Bonds. The last Series US Savings Bond was issued in June 1980 and paid interest for 30 years. The last interest payment occurred last night.
It's time to cash all Series US bonds and reinvest in something that pays interest. No, there are no rollover options. Yes, you will have to pay income tax on the interest your bonds have earned. No, you can't change the name on the bond. No, you can't give the bond to a charity, although you can cash the bond, give the money to a charity, and take a charitable deduction on your tax return
To find out the interest rate that any Savings Bond is paying this month, use our Savings Bond Calculator.
It will give you both the current rate and redemption value of your Savings Bonds. If the calculator shows your bond paying a different rate than you think it should, make sure you understand how Savings Bond rate periods work.

For generations, our wealth management professionals have helped successful individuals and families grow, preserve, and transfer their wealth, and we can do the same for you. Whatever your objectives, we listen to you to gain a clear understanding of your needs and then offer a range of investment solutions to meet those needs. Our financial professionals help you develop sophisticated strategies to manage your financial affairs today and transfer wealth to the next generation or your favorite charity, in a ta-efficient manner.


Our investment experts take a disciplined approach with you to create a customized investment strategy aimed at growing and preserving your wealth. We provide access to a wide array of investment choices across all asset classes in constructing your diversified portfolio. Our investment management process is designed to meet your tolerance for risk and investment objectives ranging from capital appreciation to minimizing taxes.

If you have significant invest able assets, The Private Client Reserve offers you sophisticated managed accounts tailored to your specific goals and alternative investments/specialty assets to further broaden your portfolio. Depending on your situation, your adviser may recommend a separately managed a unified managed account or an adviser-directed option.

A mutual fund guide could basically be called a guide to investing in stocks, bonds, and money market securities. This is because about 99% of the time, if you own mutual funds your money will be invested in one or more of the above investments types. Funds are not just another investment option; they represent the best way for most people to invest in investment securities.

When I was a financial planner a prospective client once asked me, "should I invest in stocks, bonds, IRAs, or mutual funds?" That question told me a lot about the lawyer asking it. He needed a financial planner, and also needed access to a good basic guide to investing as well. I explained that mutual funds were the easiest way for the average investor to invest in stocks and bonds, and that this could be done in either an IRA and/or in various other types of accounts, like in a joint account with his spouse.

In this simple guide to investing we cover the four basic types of mutual funds, their financial objectives, and the cost of investing. All of these funds are simply professionally managed pools of investors' money. You invest a dollar amount, and in return own shares in a large portfolio of securities like stocks and bonds. The financial objectives range from safety and stability of principle, to high income, to high growth or profit potential.

Money market funds invest in safe short-term debt like U.S. Treasury bills, with safety and liquidity as the primary objectives. They pay competitive interest rates in the form of dividends, and the value of their shares is pegged at $1 and rarely fluctuates in value. Bond funds invest in bonds, longer-term debt, to produce higher interest income for the investors. The value of investor shares will fluctuate with changes in prevailing interest rates, so risk is moderate in bond funds.

Equity funds invest your money in common stocks with the objective of earning higher returns or profits for investors. Risk is higher here, as the price or value of shares can fluctuate significantly. The fourth category is balanced funds, which invest in a combination of money market securities, bonds, and stocks. The objective is to provide both moderate growth and dividend income at a moderate level of risk.