Products and Services
Through our relationship with OSAIC INSTITUTIONS, member FINRA/SIPC, we make available a wide range of investment options. We believe in a long-term investment strategy that strives to balance risk and return by using a diversified portfolio. We focus on quality, so you can invest with confidence.
We can help you execute a sound financial program utilizing the following products and services:
Mutual Funds
Mutual Funds allow you to pool your money with that of other investors who have similar investment goals. These funds provide potential for long-term growth, professional money management, and diversification* opportunities for investment dollars.
Annuities
Alba Financial offers access to the following annuities:
- Tax Sheltered Annuities** are tax qualified plans offered to employees of non-profit organizations and employees of public-school systems.
- Fixed Annuities, which are tax deferred, allow you to safely take advantage of competitive fixed interest rates. A fixed annuity is a dependable insurance product that can provide you with steady income in the future.
- Variable Annuities combine the tax-deferral benefits of a fixed annuity with the flexibility and performance of an investment fund. You control the investment options and can take advantage of potentially competitive returns through market exposure.
Structured CD's
Alba Financial offers access to various bank CD's. CD's have characteristics in common with bonds, but also include FDIC protection up to the applicable limits. CDs should be held to maturity to avoid loss of principal.
Stocks and Bonds
Our investment professional can place stock, bond, and treasury bill orders. All domestic stock exchange orders are available to our clients. We offer access to a broad range of bonds to help you meet your income needs, including Treasuries, Federal Agencies, corporate, municipal, and mortgage backed. We can also process employee stock options.
Insurance
Insurance can provide financial protection for your family or business. We offer access to term, whole life, wealth transfer, and long-term care.
College Savings Plans
Alba Financial & Investment Services, can help facilitate College Savings Plans, which can be used to pay tuition, fees, room and board, books and required supplies at accredited colleges, universities and vocational schools across the country.
Retirement Plans
We offer access to various IRAs: SIMPLE, Roth, traditional, rollovers, transfers, and SEP (Simplified Employee Pension) plans. IRAs allow the income from interest, dividends and capital gains to compound each year without taxes**. In addition, you also can defer taxes on either the money you put into the plan initially or on the money you withdraw in retirement, depending upon whether you choose a traditional or Roth IRA.
*Diversification
Diversification is a method of controlling risk. It does not assure again or the avoidance of loss.