Integrating fixed income
STRATEGIES INTO YOUR PORTFOLIO
Your life and financial circumstances are unique, and so are your needs for your wealth management plan and portfolio. Your bond allocation depends on many factors – including your time horizon, risk tolerance, need for income and future goals – so we narrow the investment universe to choices that offer you a combination of income and stability. We leverage the extensive resources and specialists at LPL Financial and utilize rigorous analysis and due diligence to structure a portfolio that specifically suits your objectives.
We’ve learned over the years, and through various market environments, that careful evaluation and selection of investments demands close attention. Rather than relying solely on third-party ratings to dictate your choices, we independently scrutinize each investment ourselves so we can present you with a truly personalized strategy and plan. The due diligence and analysis are well worth the effort, so that you understand what you own and why.
We offer a broad range of true fixed income investments at competitive pricing, offered in competition by more than 100 dealers across alternate trading platforms.
- U.S. Treasuries
- Agency and government-sponsored enterprise bonds
- Brokered certificates of deposit
- Corporate bonds
- Mortgage-backed securities
- Municipal bonds
- Preferred securities
We work closely with you to gain a thorough understanding of your priorities for risk, capital growth and preservation before carefully selecting investments to suit your needs. We offer strategic support in crafting and implementing investment plans, and tap into the analytical resources of LPL Financial and its specialists.
Even once your portfolio has been designed and integrated, our job is not done. We review your allocations to ensure they are appropriate in the market environment and for your unique situation. Our first-class support is always delivered with your singular goals in mind, and that remains true as we highlight and implement the right fixed income strategy for you.
Asset allocation and diversification do not guarantee a profit nor protect against loss.
" WE CAN HELP YOU INTEGRATE THESE CORE INVESTMENTS INTO YOUR CUSTOM FINANCIAL PLAN USING A PROCESS THAT IS DEFINED, FOCUSED AND DISCIPLINED. "
Please keep in mind that diversification and asset allocation do not ensure a profit or protect against a loss.
Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value, barring default or an early call at the issuer’s option. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices rise.
Income from municipal bonds is generally not subject to federal income taxation; however, it may be subject to state and local taxes and, for certain investors, to the alternative minimum tax. Income from taxable municipal bonds is subject to federal income taxation, and it may be subject to state and local taxes.
U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, typically offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.