Services
Solutions for saving, investing, retirement goals, and income protection.
Services depend on state, licensing, eligibility, product availability, and individual circumstances. Every conversation starts with your goals — not a product.
Investments & Savings (US)
Build toward long-term goals
Mutual Funds
Pooled, professionally managed portfolios built around stated objectives.
Learn More →
Managed Accounts
Ongoing professional portfolio management within an advisory relationship.
Learn More →
Annuities
Long-term insurance contracts that may support retirement objectives.
Learn More →
529 Educational Savings Plans
Tax-advantaged programs designed for future education expenses.
Learn More →
Business Retirement Plans
Retirement-plan options for employers and their employees.
Learn More →
Read the Investments & Savings overview →
Term Life Insurance (US)
Term Life Insurance
Income protection for a defined period, based on a needs-based coverage discussion. Policy availability and underwriting vary.
Learn More →
How the pieces compare
A simple educational comparison
This matrix is educational only. No product is universally “best” — the right fit depends on your goals, time horizon, risk tolerance, and circumstances.
| Option | Primary purpose | Typical time horizon | Liquidity considerations | Key risks or tradeoffs | Who may want to learn more |
|---|---|---|---|---|---|
| Mutual Funds | Diversified investing toward stated objectives | Medium to long term | Generally redeemable; market value fluctuates | Market risk, fees and expenses, possible loss of principal | Investors building toward long-term goals |
| Managed Accounts | Ongoing professional portfolio management | Medium to long term | Generally accessible; market value fluctuates | Advisory fees plus underlying expenses; market risk | Investors who want ongoing guidance and monitoring |
| Annuities | Long-term retirement objectives; certain contracts offer income features | Long term | Surrender periods and withdrawal limits may apply | Fees, surrender charges, contract limitations; guarantees depend on the insurer's claims-paying ability | People planning for retirement income needs |
| 529 Plans | Tax-advantaged education savings | Until education expenses begin | Non-qualified withdrawals may face taxes and penalties | Investment risk, plan fees, state-specific rules | Parents, grandparents, and future students |
| Business Retirement Plans | Workplace retirement benefits | Long term | Withdrawal rules set by plan and tax law | Administrative responsibilities, fees, investment risk | Employers and professional practices |
| Term Life Insurance | Income protection for a defined period | Length of the chosen term | Not a savings vehicle; no cash accumulation in most term policies | Underwriting requirements, exclusions, premium changes at renewal | People with dependents or income-based obligations |