Other Investment and Insurance Partners

Barkley’s Bank ishares

Barkely’s Bank offers exchange traded funds (ETFs) that we find useful in certain situations. The ETFs that we use are index funds which demonstrate wide diversification, low expense ratios, and low turnover.

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Vanguard

Vanguard offers open end mutual funds, ETFs, and a variable annuity,  and is known for their exceptionally low expense ratios. We find their passive index approach and low costs to be useful especially when investing in bonds.

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*An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.

Investing in mutual funds involves risk, including possible loss of principal. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. You can obtain a prosepctus from your financial representative. Read carefully before investing.

TIAA CREF

TIAA CREF is widely known as the premier provider of the retirement plan for teachers and other non-profits.  Less well known is that they are one of only three insurance companies that carry the highest rating from all four independent rating agencies.

TIAA CREF also is a provider of no-load life insurance and annuities.  These contracts stand in stark contrast to expensive permanent life insurance and annuity contracts.  We find that the ability to participate in life insurance and annuities without a surrender charge to be helpful for many.