With life constantly throwing us surprises along the way, it’s important to have a flexible financial plan so one can adapt and readjust. At Dearborn & Creggs, we recognize this complexity and our advisors provide comprehensive services to help clients manage their wealth within the expected as well as unexpected parameters that may arise. Our firm stands out in offering end-to-end services that span the entire wealth management process, making sure all aspects are taken into account. We offer families tailored solutions with long-term results in mind – allowing them to help pass on their wealth smoothly across generations.
Our advisors 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 help ensure your portfolio is consistently aligned to meet your unique risk tolerance, time horizon, and objectives.
Clients of Dearborn & Creggs can buy and sell individual securities on major exchanges and through the 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, our advisors offer clients fast, accurate execution and clearing.
Our advisors 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.
Dearborn & Creggs’ financial representatives can design an investment portfolio tailored to meet your specific needs. We have established relationships with some of the most recognized 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
Our advisors also offer funds that focus on specific market segments such as international and specialized 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.
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.
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, our advisors 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, we have access to both strategic and tactical allocation programs that we use according to our client’s needs.
The Modern Portfolio Theory established the idea that investors can construct portfolios to optimize expected returns while limiting risk. Strategic asset allocation programs aim to 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:
- Dividend Income Portfolio
- Goldman Sachs
- JP Morgan Investments
- Lincoln Strategic
- Progressive Asset Management (PAM)
- Russell Investments
Professional managers try to add value to a portfolio by using tactical allocation strategies that are designed to take advantage of short- and intermediate-term anomalies in the marketplace.
Our tactical asset allocation programs are provided by:
- Advanced Asset Management Advisors (AAMA)
- Clark Capital Management Group (CCMG)
- CLS Investment Firm
- DoubleLine Capital
- ICON Advisors, Inc
- Meeder Investment Management
Strategic and tactical programs are offered as part of a discretionary advisory services provided for a fee; see Lincoln Investment’s Form ADV 2A brochure for more information on the management of the portfolios, including fees. Asset allocation and diversification do not guarantee a profit or prevent against a loss. All investing involves the risk of loss.
Help to Achieve Your Wealth Goals
The path to your wealth goals becomes clear when you work with a wealth management professional. The advisors at Dearborn & Creggs will help you see a full view of your finances.
Work With a Professional Wealth Advisor
Creating a financial plan is hard, especially if you don’t have professional help. At Dearborn & Creggs, our team of financial planners has helped thousands of people create a plan and feel confident about their financial future.