Investment Management

Midtown Financial offers the full range of investment options for customized personal financial planning.

At Midtown Financial, we provide clients with access to a large variety of financial products to meet their unique investment needs. We have open architecture with access to a variety of investments ranging from standard to sophisticated strategies.

We empower our advisors to provide clients with the best, most accurate and up-to-date investment advice available. Through our partnership with LPL Financial, we have access to research departments that enable us to stay on top of current events and investments. In short, we provide clients with informed advice and the products they require to help map out a sound financial future.

Investment Vehicles

Mutual Funds: We work with various fund companies and have access to thousands of mutual funds.

Fixed Income / Bonds: We work closely with LPL Financial's bond desk to analyze and build bond ladders for clients whether they are looking for Municipal Bonds, Corporate Bonds or Treasuries. Our bond desk is comprised of experienced bond traders that maintain a competitive inventory of bonds and can recommend bond swaps when appropriate. Our inventory provides the best selections available in the market.

Equities: Our equity desk provides timely execution and notification of trades so our clients can take advantage of the daily fluctuations in the market. This is a major benefit of working with the largest independent broker/dealer in the country.

Annuities: By partnering with highly rated annuity companies, we are able to stay abreast of the latest strategies that utilize annuities as part of the overall solution.

Insurance Products: We work with a variety of life, disability, health and long-term care insurance products that are designed to protect our clients and their wealth. Not only do we have access to the LPL Financial insurance department, but we also work with outside general agencies as an extra resource to review, design and help maintain the right insurance strategies for you. Since we are not captive agents, we are able to deliver objective strategies from a variety of highly rated insurance companies.

Long-Term Care Products: Recent statistics show 70 percent of people will require some form of long-term care. Medical insurance does not cover the costs associated with long-term care. This being the case, you can end up paying for care out of your savings. This, in turn, can jeopardize your family's retirement. In 2012, the average cost of a year in a nursing home was $88,000. Assisted living facilities were $41,000 per year. For a private in-home care giver the rate averaged $20 per hour.

To help protect clients and their futures, we offer customized strategies to help clients get prepared for the future whether they want to transfer the risk from their portfolio to an insurance company or whether they want to retain the risk, but with an efficient plan in place.

Alternative Investments: There are a number of investments for more sophisticated investors that can potentially help lower the correlation of the investments within their portfolios. In today's market environment, this is may be necessary.

Alternative investments may not be suitable for all investors and involve special risks such as leveraging the investment, potential adverse market forces, regulatory changes and potentially illiquidity. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses. 

Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective. Variable Annuities are suitable for long-term investing, such as retirement investing.   Withdrawals prior to age 59 ½ may be subject to tax penalties and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.

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