Service Description

FIXED INCOME & CASH ALTERNATIVES We offer access to a range of fixed-income and cash management options, including: • Treasury, municipal, corporate, and agency bonds with varying structures and characteristics • Money market funds designed for liquidity and short-term cash management • Brokerage certificates of deposit (CDs) with competitive terms and flexible maturities MANAGED FUNDS Professionally managed investment funds allow investors to gain diversification and professional management through structured investment products. Options include: • Target-date retirement funds that adjust allocations over time based on a set time horizon • A broad selection of mutual funds and exchange-traded funds (ETFs) across strategies and sectors • Unit investment trusts (UITs) and closed-end funds offering additional ways to access professionally managed portfolios STOCKS Stocks, also known as equities represent ownership in companies and can offer investors exposure to a wide range of markets and sectors. They are often used as a core component of a diversified portfolio. We provide access to: • Common and preferred stocks from U.S. and international markets • American Depository Receipts (ADRs) for international exposure through U.S. markets • Convertible bonds that combine features of fixed income and equity securities ALTERNATIVES Alternative investments can offer additional diversification and exposure to non-traditional asset classes. Depending on suitability and availability, options may include: • Commodity funds, including those focused on metals such as gold and silver • Real estate investment trusts (REITs) that provide exposure to real estate markets without direct property ownership • Select alternative strategies designed to complement traditional investment approaches Disclosures: Investing involves risk including the loss of principal. The principal value of a target fund is not guaranteed, including at the target date. Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses. Investing in Real Estate Investment Trusts involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives will be attained.