INVESTMENT SERVICES

Retirement Needs

Are you financially prepared for retirement? It’s never too early to start saving. By now you know that you cannot depend wholly on Social Security to meet your retirement income needs. You can take the steps now, to prepare for a comfortable tomorrow. At Community First Investments, Inc. you can select from a wide variety of investment products – designed to help you achieve your retirement dreams.

Fixed and Variable Annuities
Roth and Traditional IRAs
Mutual Funds

Actual investment return and principal value of a mutual fund investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.

Shares of mutual funds are not deposits or obligations of, or guaranteed or endorsed by, any financial institution; are not insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board, or any other agency; and involve risk, including the possible loss of the principal amount invested. Capital gains, if any, are subject to federal and, in most cases, state taxes. Certain investors may also be subject to federal alternative minimum tax. Income may be subject to state and local taxes.

Mutual Funds are companies that make investments on behalf of their shareholders. Funds pool the money of different investors; professional money managers then take that pooled money and invest it in a variety of stocks, bonds or other types of securities selected from a wide range of industries and companies. Each shareholder owns a proportionate share of the fund.

Call Community First Investments (1-305-245-2627) or visit the fund or variable company website for a current fund or variable product prospectus, which contains more complete information, including charges, expenses, share classes, and risks. Read it carefully before you invest or send money. Risks associated with mutual fund investing include the risk of loss of principal.

Education Needs

Do you have a plan to finance your children’s education? As a parent, you naturally want what’s best for your children – good health, a happy childhood, and a bright future. For many that future may include a college education. However, putting your children through college may be one of the largest expenses your family will ever face. We can help you plan with investment products such as College 529 Plans.

Insurance Needs

What would happen if you or your spouse were suddenly out of the picture? Your family depends on your income to survive, would they be covered? Life insurance is an essential part of financial planning. You need life insurance to ensure your dependents are financially protected in the event of death. Community First Investments, Inc. has many life insurance options available to you.

Term and Permanent Life Insurance
Whole Life Insurance
Universal and Variable Life Insurance

Life Insurance is not a pleasant subject, but knowing your family would be financially secure makes discussing it worthwhile.

Long Term Care

Are you ready to meet the financial health care challenges of tomorrow? The need for long-term care increases as a person ages and needs more assistance with daily living. Long-term care insurance helps cover the costs of long-term care services one receives in a nursing home, assisted living facility or in one’s own home. It can help you maintain your independence when care is needed because you may be able to afford a greater choice of care options. Community First Investments, Inc. will help you decide if long-term care insurance is right for you.

Business Needs

Enhance your relationship with your employees by offering them retirement plan options. Community First Investments, Inc. offers a wide variety of plans available to our business clients and their employees. Qualified plans are available to businesses of any size.

Some benefits include:

Tax deductibility
Excellent way to retain valuable employees and attract prospective employees
Significant tax savings
Interest earned is tax deferred; consult with your CPA
Low setup cost and maintenance fees

Plans offered:

Simplified Employee Pension Plan (SEP)
401(k) plan
SEP-I.R.A.'s
403 B's
Profit Sharing
Simple I.R.A.'s

Helpful Terms

Annuities:
An annuity is a contract between you and an insurance company to fulfill your future income goals, usually retirement. An annuity builds tax-deferred retirement savings.
Mutual Funds:
These funds are made up of many investors pooling their money. The combined funds are managed by a professional portfolio manager who selects from a wide range of investments to build a diversified portfolio.
Stock:
Stock is issued by a company to raise money. When stock is purchased, the investor owns a share of that company.
Bonds:
Bonds are issued by corporations or governments to raise money. When an investor purchases a bond they are lending money to the issuer for a fixed period of time and rate of interest.
Dividends:
Many investment products, such as stocks and mutual funds, pay a periodic dividend. Dividends are a portion of a company’s earnings paid to a shareholder.
Disclosure:
*Securities offered through Lincoln Investment Planning, Inc., Broker Dealer, Member FINRA/SIPC." Telephone number of FINRA-registered branch office and Supervising office: 525 Vine Street, Suite 2150, Cincinnati, OH 45202 888-484-5652
Lincoln Investment Planning, Inc. and Community First Investments are independently owned and each is responsible for its own business.

www.finra.org

Not FDIC Insured
May Lose Value
No Bank Guarantee