Answers to questions we’re asked frequently.

Is there a difference between saving and investing?
Saving means putting money aside. Investing is committing money in order to earn a financial return. We save using bank accounts such as CDs, savings accounts and money market accounts which are insured by the Federal Deposit Insurance Corporation (FDIC). Non-FDIC insured investments such as mutual funds, annuities, stocks and bonds offer benefits including the opportunity for tax savings and capital appreciation.

What are the risks associated with investments?
The future performance of mutual funds, the investment return of annuities, and the return of principal from both are not insured by the FDIC or guaranteed by the Bank. We can help you identify risk and manage it, based on your tolerance for changes in the markets.

How do you evaluate my current circumstances?
We ask questions such as: What are your overall investment goals?
How long before you’ll need the money from your investment?
What are your age, tax bracket, and net worth?
What degree of risk are you willing to take?

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