Broker Check

Wealth Management

We work to help our clients have a sound, holistic financial plan that encompasses all parts of your financial life.  Because of this, we offer personalized, strategic tools designed to help build and secure your wealth.  The strategies we use align with the Modern Portfolio Theory in which we use diversification among asset classes and regular rebalancing rather than attempting to predict market changes, and we ensure your portfolio is consistently aligned to meet your unique risk tolerance, time horizon, and objectives.* 

Source:  “The Path of a Diversified Portfolio” from Lincoln’s Basics of Investing PPT

Individual Securities

Clients of Dearborn & Creggs can buy and sell individual securities on major exchanges and through over-the-counter market. Through our affiliation with our broker dealer Lincoln Investment Planning LLC and our partnership with Pershing LLC, a leader in the financial securities marketplace, we offer clients fast, accurate execution and clearing.

We provide our investors with the opportunity to consolidate their individual securities holdings and receive a single statement showing all taxable investments in addition to a single statement for their tax-advantaged accounts. Consolidated statements provide clients with a more comprehensive overview of their security holdings by tax type.

Mutual Funds

Dearborn & Creggs’ financial representatives can design an investment portfolio tailored to meet your specific needs.  We have established relationships with some of the most respected mutual fund families in the industry, and we will help you select mutual funds that are in accordance to your objectives and match your needs.

Such objectives may include:

  • Capital preservation
  • Income generation
  • Capital growth

We also offer funds that focus on specific market segments such as international and socially-conscious investments. With thousands of mutual funds available in the marketplace, we know making the right choice can be overwhelming, so let us help alleviate that stress and help you make the right decision.

Please obtain a prospectus for complete information including charges and expenses. Read it carefully before you invest or send money.

Source: Pyramid from Lincoln’s Women & Investing PPT

Annuities

Some people worry about outliving their income while others would prefer to pay fewer taxes. If you fall into either category, an annuity could play an important role in your retirement strategy.  It guarantees to pay you a stream of income at a specified future date. Investors typically can make unlimited tax-deferred contributions to an annuity, which can help reduce their current taxes.

When investors are ready to take assets out of their annuity, they can opt to take a lump-sum payment or set up guaranteed payments for a specific length of time. These payments might stretch over a period of years, over your lifetime, or over your lifetime and that of your spouse.

There are many factors to consider when determining the type of annuity you need. Dearborn & Creggs’ financial representatives have the experience, skills, and resources to help you find the appropriate product for your specific needs.  

In reference to general account obligations and guarantees, such as is present with fixed annuities, the ability for the insurance company to meet these obligations to policyholders are subject to sufficient capital, liquidity, cash flow and other resources of the insurance company. A variable annuity is an insurance contract which offers three basic features: (1) annuity payout options that can provide guaranteed income for life; (2) a death benefit; and (3) tax-deferred treatment of earnings. The value of the separate account of variable annuities is not guaranteed and will fluctuate in response to market changes and other factors. Variable annuities are designed to be long-term investments and early withdrawals may be subject to tax penalties and charges.

Investment Risk Management

Financial markets offer opportunities for investors to grow wealth, however, these opportunities are not without risk.  Managing the risk of investing requires a thoughtful approach to asset allocation. At Dearborn & Creggs, we evaluate each client’s goals, objectives, and risk tolerance, and then we construct portfolios that can help reach your goals. Since we are affiliated with Lincoln Investment Planning, Inc., we have access to both strategic and tactical allocation programs that we use according to our client’s needs.

Strategic Asset Allocation*:
The Modern Portfolio Theory established the idea that investors can construct portfolios to optimize expected returns while limiting risk. Strategic asset allocation programs do just that - they establish a portfolio allocation that is designed to maximize returns for a given level of risk over the long-term.

 

Our strategic asset allocation programs are provided by:

  • Progressive Asset Management (PAM)
  • Dividend Income Porfolio
  • Lincoln Strategic
  • Russell Investments
  • JP Morgan Investments
  • Goldman Sachs

Tactical Asset Allocation*:
Professional managers try to add value to a portfolio by using tactical allocation strategies that take advantage of short- and intermediate-term anomalies in the marketplace.

Our tactical asset allocation programs are provided by:

  • DoubleLine Capital
  • ICON Advisors, Inc
  • Advanced Asset Management Advisors (AAMA)
  • CLS Investment Firm
  • Meeder Investment Management
  • Clark Capital Management Group (CCMG)

*Asset allocation or diversification do not guarantee a profit or protect against a loss.

Source: Asset Allocation – Risk Level from Lincoln’s Progressive Asset Management Asset Allocation by Risk Level (#A201)