A wide variety of Mutual Funds are available from 1DB. Our relationship with Penson Clearing offers a select list of MF Families that can be viewed by clicking on Mutual Funds List. There are also a number of Mutual Fund companies that 1DB conducts business with directly and can be viewed by clicking on Mutual Funds Companies. If the Fund Family that you are interested in is not listed on either of the above links, please contact your 1DB Independent Financial Consultant or email your request to support@1db.com for additional information.

Money Market Rates Provided by Penson Financial

Fixed income is a non-equity type of investment that obligates the borrower (also known as the issuer) to make payments on a fixed schedule.  If you lend money and the borrower has to pay  interest once a month, you have been issued a fixed-income security.

Some of the products available through 1DB’s fixed income department include:

• Treasury securities, including US government bonds, bills, notes and TIPS (Treasury Inflation-Protected Securities)
• Municipal bonds, including insured and zero-coupon bonds
• Corporate bonds
• Mortgage pass-through bonds, including Ginnie Mae and Fannie Mae
• Adjustable-rate mortgage bonds (ARMs)
• Collateralized mortgage obligations (CMOs)
• Bank certificates of deposit
• Structured products, such as reverse exchangeable bonds
• Unit Investment Trusts, or UITs

1DB understands that these products can be purchased through a variety of dealers; that’s why when you do business with 1DB, you also receive service.  Our fixed income department is staffed by three bond professionals with over 60 years experience in the securities industry.  The services provided include:

• Bond search  engine — All of 1DB’s independent financial consultants can access Knight BondPoint’s 40,000+ line items, including municipal bonds, corporate bonds, agencies, treasuries, CMOs, certificates of deposit, new issues, and structured products.
• Bloomberg — Our fixed income department can  retrieve information through Bloomberg at the request of any of our  independent financial consultants
• Evaluations  and bids — 1DB’s fixed income department works with brokers’ brokers to provide evaluations and bids on bonds
• Guidance — Our fixed income team is here to help  1DB’s Independent Financial Consultants select products based on your  criteria
• Purchases and  sales — Our Independent Financial Consultants can turn to the Fixed Income Department for assistance in the purchase or sale of any type of bond
• Bond ladders — We can help to diversify your account  through building a bond ladder that may be suitable for you

No matter what your fixed income need, 1DB is here to help you fill it.  Please contact your 1DB Independent Financial Consultant for assistance.  If you are not currently working with one, you may contact our fixed income department directly at 888-746-2924.

When you buy a share of stock, you are taking ownership in a company.  Collectively, the company is owned by all the shareholders, and each share represents a claim on assets and earnings.  If the company distributes profits to its shareholders, you should receive a proportionate share of the earnings.

Stocks are often categorized by the size of the company, or their market capitalization.  The market capitalization is determined by multiplying the number of outstanding shares by the current share price.  The most common market cap classes are small-cap (valued from $100 million to $1 billion), mid-cap ($1 billion to $10 billion), and large cap ($10 billion to $100 billion).

Stocks are also categorized by their sector, or the type of business the company conducts.  Common sectors include utilities, consumer staples, energy, communications, financial, health care, transportation, and technology.

Stocks are often viewed as being in one of two categories — growth or value.

• Growth stocks are ones that are associated with high quality, successful companies that are expected to continue growing at a better-than-average rate as compared to the rest of the market.
• Value stocks are ones that have generally solid fundamentals, but are currently out of favor with the market.  This may be due to the company being relatively new and unproven in the market, or because the company has recently experienced a decline due to the company’s sector being affected negatively.  An example of this would be if the federal government was to levy a new tax on all cell phones, thus negatively affecting all cell phone company stocks.

History has shown that, over time, stocks have provided a better return than bonds, real
estate, and other savings vehicles.  As a result, stocks may be the ideal investment for investors with long-term goals.

Take a moment to dream.

What do you want to do when you retire?  Travel to exotic locales?  Have a winter home in a warm climate?  Play 18 holes every day?  Spend time with your children and grandchildren? We all have dreams, but not all of us have the plans to turn those dreams into reality.

Your retirement could last 20 years or more, but will your nest egg?  From inflation to health care costs and more, longevity presents challenges.  To continue the lifestyle you knew pre–retirement, it´s important to create a financial plan today that offers you the most potential value for your hard–earned money tomorrow.

Fulfilling a customized retirement plan requires a company that recognizes the details.  It requires a company that can simplify the seemingly complex — from tax rates and withdrawal rates, to accumulation rates and mortality risks.  At 1DB, we assist you in choosing the investments that can help turn your dreams into a reality.
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1st Discount Insurance Services, Inc. provides insurance service through our strategic partner, Crump Life Insurance Services. Our partner is a full service insurance firm representing some of the best insurance companies in the nation. They specialize in annuities, long term care, life insurance, impaired risk life insurance, and variable products.

Companies that Crump represents include:

• Allianz
• John Hancock
• ING
• Bankers Life of New York
• West Coast Life
• United of Omaha

More detailed information for 1DB Agents can be found by contacting:

https://www.crumplifeinsurance.com/
800-546-4406

Whether you plan to retire in four years or forty, making sure your nest egg will provide you with security for the rest of your life is a concern for any investor.  One powerful tool to help you prepare is an annuity.

An annuity is a contract between you and an insurance company.  When you purchase an annuity, you make a lump-sum contribution or a series of contributions, generally each month.  In return, the insurance company makes periodic payments to you beginning immediately or at a pre-determined date in the future.  These periodic payments may last for a finite period, such as 20 years, or an indefinite period, such as until both you and your spouse are deceased.  Annuities may also include a death benefit that will pay your beneficiary a specified minimum amount, such as the total amount of your contributions.

The growth of earnings in your annuity is typically tax-deferred; this could be beneficial as you may be in a lower tax bracket when you begin taking distributions from the annuity.  A word of caution: Annuities are intended as long-term investments.  If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company as well as tax penalties to the IRS and state.

There are three basic types of annuities — fixed, indexed, and variable.

With a fixed annuity, the insurance company agrees to pay you no less than a specified (fixed) rate of interest during the time that your account is growing. The insurance company also agrees that the periodic payments will be a specified (fixed) amount per dollar in your account.

With an indexed annuity, your return is based on changes in an index, such as the S&P. Indexed annuity contracts also state that the contract value will be no less than a specified minimum, regardless of index performance.

A variable annuity allows you to choose from among a range of different investment options, typically mutual funds. The rate of return and the amount of the periodic payments you eventually receive will vary depending on the performance of the investment options you select.  You can learn more about variable annuities by reading the SEC’s publication, Variable Annuities: What You Should Know

Whether your financial plan includes a fixed, indexed, or variable annuity, 1DB can help you select one that meets your objectives.

What would happen if you became disabled and suddenly had to stop working?  How would you pay your mortgage?  What about your utilities, your auto insurance, or even food?  You would likely discover that Social Security and employer-sponsored disability income insurance plans leave you coming up short.  How long could you survive on your savings?  Having disability insurance can provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

1DB offers solutions for various income levels and provides disability income insurance through a range of providers.  Since policies can vary significantly, we will guide you through the process of determining which policy best suits your needs. One of the popular riders offered by select insurance companies, is the “return of premium” rider.  In essence, you pay a little more for the add-on and if there aren’t any claims on your policy, you GET ALL YOUR MONEY BACK at age 65.

Considering all that your income means to you, isn’t it important enough to speak with 1DB today?

College Savings Plans are available from Mutual Fund companies that 1^st Discount Brokerage conducts business with directly.  Please contact your 1DB Independent Financial Consultant for specific information, and be sure to check with your tax advisor before implementing a plan.