INVESTMENT SERVICES

Retirement Plans

Are you financially prepared for retirement? It’s never too early to start saving. By now you know that you cannot depend 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

Education Plans

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.

Life Insurance Plans

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 Plans

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:
*Offering securities and insurance products through Great American Advisors, Inc, Member FINRA and SIPC. GAA and Community First are not affiliated. Products offered by GAA are not FDIC insured. They are not deposits or other obligations of the bank and are not guaranteed by the bank. Investment is subject to investment risks, including possible loss of principal invested.