JM Stanley & Associates - Personal Financial Specialist


Financial Planning Products

Financial Products

We offer the following products to fill the needs based upon the comprehensive financial strategy.

  • Stocks
  • CDs
  • Real Estate Investment Trusts (REITs)
  • IRAs - Roth and Traditional (Rollovers)
    • IRAs (Individual Retirement Arrangements) are investment accounts where a person can save for retirement.
    • Traditional IRAs allow tax-free contributions but impose taxes at the time of withdrawal.
    • Roth IRA contributions are taxed before the contribution into the account but tax-free at the time of withdrawal.
  • 401(k), Simple IRA and SEP IRA
    • These types of plans are referred to as “employer-sponsored retirement plans”.
    • 401(k) plans can be setup as a Traditional or Roth IRA. The contributions are salary deferrals. Employers can also contribute to the account.
    • Simple IRAs (Savings Incentive Match Plan for Employees) are a retirement plan set up by small business owners. Both employees and employers can contribute to this Traditional IRA plan setup for employees.
    • SEP IRAs (Simplified Employee Pension Plan) can be setup by a business of any size (including self employed). Contributions are made by the employee. It is a Traditional IRA plan.
  • Mutual Funds
  • Annuties
  • Life Insurance
  • Life insurance provides income to a named beneficiary at the time the insured passes away (or at a specified time limit).
  • College Savings Plans (529)

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