Equity shares of ownership in individual companies.

The return and principal value of stocks fluctuate with changes in market conditions. Shares when sold may be worth more or less than their original cost.

Debt securities based on loans issued by governments, companies, or other private issuers.

The return and principal value of bonds fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value.

Often an actively managed pool of investments with a defined investment objective.

Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact Doug Morey at (952) 835-7445  to obtain a prospectus, which should be read carefully before investing or sending money.

Usually a passively managed portfolio of investments that often track an index or sector.

Exchange-traded funds are sold only by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the investment company, can be obtained from your financial professional at (952) 835-7445. Be sure to read the prospectus carefully before deciding whether to invest.

Traded or non-traded funds invested in real estate.

REITs are subject to various risks such as illiquidity and property devaluations based on adverse economic and real estate market conditions and may not be suitable for all investors. A prospectus that discloses all risks, fees and expenses may be obtained from [insert toll free number]. Read the prospectus carefully before investing. This is not a solicitation or offering which can only be made in conjunction with a copy of the prospectus.

Atypical investments, such as private equity, hedge funds, interval funds, commodities,  business development corporations, and options.

Alternative investments involve significant risks, including the potential loss of principal. They  are often illiquid, and investors may be unable to sell their investment when desired or at all.

Options are not suitable for all investors. 

An insurance based product that can include fixed returns, market based returns, a guaranteed income stream, and various additional options.

Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period.

Investment products designed to achieve specific risk-return objectives using a portfolio of securities and derivative options sometimes with principle protection features.

  Structured products involve significant risks, including issuer credit risk, market risk, liquidity risk, and the potential loss of principal. They are complex instruments and are generally intended to be held to maturity. Returns, if any, are dependent on the performance of the reference asset and subject to product‑specific conditions. Structured products are not suitable for all investors.