Investing Services
Navigate your financial journey with confidence.
Apple Bank teamed up with Osaic Institutions - providing you access to a broad spectrum of investment solutions to help meet your needs.
Take charge of your future - whether you're saving for big goals like a wedding, new home or reducing debt. Make progress more effortlessly by setting up automatic withdrawals into your investment account to help steadily grow your money over time. Osaic Financial Consultants will design a strategy that’s right for your situation.
Secure your child’s future with an education savings plan. Enjoy tax-deferred growth and tax-free withdrawals for qualified education expenses. Osaic Financial Consultants make it easy to set up your plan and define your monthly contributions so that you can focus on what matters most - your family.
Balancing financial priorities can be a challenge. The sooner you start saving toward retirement, the more opportunity your money has to grow. Saving just $50 a month can add up to $6,000 in 10 years (not including potential growth or interest). By gradually increasing your contributions each year, you can expand your savings significantly.
Switching jobs comes with unknowns. Don’t let uncertainty or unnecessary taxes derail your retirement savings. If you have a 401k rollover or payout of your pension plan, Osaic Financial Consultants can help. Plus, get help creating a financial plan that incorporates these assets, along with any other savings or investments, giving you confidence during this transition.
Osaic Financial Consultants understand the unique needs of local business owners and can help you choose the right retirement plan for your situation, whether it's just for you or your employees too. Your consultant will simplify your options, so you can focus on what you do best - running your business. Simplified Employee Pension Plans (SEP) are also an option for business owners, professional practices and their employees.
You want to feel confident and prepared for your next chapter - maximizing your retirement savings, paying off debt, and generating a steady income. Osaic Financial Consultants aim to help you ensure your assets last throughout retirement, so you can enjoy financial peace of mind as you near retirement or enjoy living in retirement.
Access a wide variety of investment and insurance products.
Through Osaic Institutions, one of the largest and most experienced companies in the country, you have access to a broad range of investment and insurance products.
We are here to help you find the right solution to help you meet your near- and long-term goals
Mutual funds provide access to a professionally managed, diversified portfolio of stocks, bonds, and other assets that are managed on your behalf. You can make a one-time contribution or make regular contributions over time. Mutual funds can be a simple way to diversify, reduce investment costs, and choose from strategies that align to your financial goals and meet your risk tolerance.
ETFs are a group of investments, like stocks or bonds, that you can buy and sell on the stock market. They can offer low investment costs, diversification, flexibility, transparency, and tax efficiency. ETFs can also offer a simple way to start investing.
Fixed income funds invest in government, corporate, or municipal bonds with the goal of generating income and preserving capital. They are often used by those seeking lower risk. While their returns are also typically lower, these funds can offer more stability than higher-risk investments like stocks.
An equity-linked certificate of deposit (CD) lets you earn interest based on the stock market's performance. Your principal deposit is protected by FDIC insurance (up to $250,000 per depositor, for each account ownership category), but gains on your principal investment are not insured. They are typically used by investors seeking higher returns than a regular bank CD. You can also hold them in an IRA to defer paying taxes on any earnings until after you retire.
A bond is a loan made to a company or government in exchange for interest payments over the bond term. Your original investment is then returned to you when the bond matures. Bonds are generally safer than stocks and can balance your portfolio by reducing risk. Bonds are often used for steady income and portfolio stability.
A 529 plan is a tax-advantaged savings account designed specifically for education expenses. You contribute after-tax dollars to the account at any time, either as a one-time payment or through ongoing contributions, with no age restrictions on when you can start or stop contributing. The money in the account has the potential to grow over time based on investment performance. When it’s time to use the funds, withdrawals are completely tax-free as long as they are used for qualified education expenses.
Contact us today to learn more about investment solutions.
An annuity helps you save for retirement or long-term goals with tax-deferred growth. It's ideal for retirees seeking steady income, pre-retirees growing their savings, or anyone wanting to leave assets for their beneficiaries.
A fixed annuity is an agreement with an insurance company where you earn a guaranteed** rate of return and receive a steady income in return for your contributions. Fixed Annuities offer tax-deferred growth and offer stability because they aren't affected by market fluctuations.
A variable annuity is a long-term, retirement savings product that can provide income. These investments generally provide tax-deferred growth, a death benefit, and lifetime income options. They may also fluctuate in value based on the market performance of the investments that fund them. Variable annuities have two phases: accumulation (growth) and payout (guaranteed** income).
Indexed annuities combine features of both fixed and variable annuities. An indexed annuity is an agreement with an insurance company where you earn interest based on a stock market index, such as the S&P 500.***
Contact us today to learn more about investment solutions.
Financial Consultants are dedicated to building a plan tailored to your needs.
Osaic Institutions Financial Consultants take the time to listen, understand your unique situation before providing clear answers to your questions. Then build a plan centered around what matters most - your goals, needs, and the amount of risk you’re comfortable taking - so you can move forward with confidence.
Life happens and circumstances change. We’re here to help you adapt when they do. Whether it’s a major life event or a minor adjustment, we’ll help ensure your plan stays aligned with your goals, so you can keep making progress.
Ready to get started?
Meet with a Financial Consultant at a branch near you.
Have questions? We're here to help.
Visit a branch or speak with a financial consultant.
Call: 800-426-8060
Investing Services FAQs
Answers to frequently asked questions.
Some products may require a minimum to get started, but there are many others that do not have a minimum.
Speaking to one our Osaic Financial Consultants is a great first step, as they can determine what your best options are based on your goals and financial situation.
Investing involves risks, but the key is managing the risk effectively. Our Financial Consultants do this by understanding each client’s needs and creating a plan tailored to the client’s investment objectives, risk tolerance and time horizon.
Working with our team of professional Financial Consultants will help you find the right path to reach your financial goals.
Yes, we have a range of investment options to help secure your child’s future. These options may have a higher return than traditional savings or certificate of deposit accounts. Speak with one of our Financial Consultants to explore the best investment options.
The quick answer: as soon as you are able to start investing. Not everyone has the time to learn the nuances of finance and building wealth. While some prefer to find a less stressful way to grow their money, others can feel overburdened and may never invest at all. This is why you want to work with a professional who can help reduce some of the stress associated with investing. Our Financial Consultants are seasoned professionals who work with everyone from first time investors to experienced investors.
If you are unsure about what to do with your income, how to accomplish your financial objectives, or how to build your retirement nest egg, let us help you reach your financial goals.
An annuity is a financial product that’s designed to protect and grow your money, at a guaranteed rate of return, and then provide a stream of guaranteed income at a later date.
Annuities are purchased through, and principal protected by, many different insurance companies. Annuities grow in value over time, then, when you’re ready to start receiving income, your annuity can be turned into a steady stream of income. You can also cash out your annuity at maturity if you desire. Speak to one of our Financial Consultants for a more detailed explanation and how to get started.
Most annuities have minimum purchase requirements and may or may not allow multiple payments. The requirements vary by product. Speaking to one of our Financial Consultants is a great place to start.
With fixed and fixed-indexed annuities, you won’t lose the money you contribute to your annuity unless you take a withdrawal or surrender your annuity during its early withdrawal charge period. Variable annuities offer more opportunity for growth but do come with principal risks, meaning you could lose some or all of your initial investment. Please speak to one of our Financial Consultants for more on what is right for you.
Many annuities don't have an upfront sales fee. However, they do include surrender charges if you withdraw your funds prior to maturity. Annuities also have free withdrawal periods that allow you to withdraw a certain percentage of your investment annually. Our Financial Consultants can review all these details with you to ensure you fully understand before you ever invest in a product.
Annuities are intended to be long-term products. They provide their best results when left untouched until maturity. However, it's nice to know that you have access to the funds in your annuity if you need them. Many of our products provide a number of options to withdraw the money in your annuity, including,
- Penalty-free withdrawals up to a certain percentage
- Interest withdrawals through the easy systematic payment program.
Remember that for certain products, withdrawals prior to age 59½ may be subject to restrictions and a 10% penalty tax. Early withdrawal charges, market value adjustments and taxes may also apply.
Broker Check | Learn more about Osaic Institutions and its registered financial consultants here at FINRA Broker Check.
*Variable annuities, mutual funds, and equity-linked CDs are offered by prospectus; the prospectus contains more complete product information, including fees and expenses, and should be read carefully before investing. It is important to carefully review the prospectus to understand all risks and costs prior to investing.
**All guarantees are by the issuing insurance company and are subject to the claims paying ability of the insurance company.
***The S&P 500 is an unmanaged weighted index of common stocks. An investment cannot be made directly in an index.
Investment and Insurance products and services are offered through OSAIC INSTITUTIONS, INC. (“Osaic”), Member FINRA/SIPC. Apple Bank has entered into an arrangement with Osaic to provide insurance, brokerage, and investment advisory services to customers. ABS Associates is a trade name and does not refer to a separate entity. Osaic is not affiliated with either entity. Products and services made available through Osaic are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
Any tax information provided on this website or by any of our Financial Consultants is general, intended for convenience only and may not apply to your situation. It is necessarily incomplete and does not constitute tax advice. Before relying on any such information, you should consult with your tax advisor. Neither Apple Bank, ABS Associates of New York, Inc., nor Osaic Institutions, Inc. make any warranties and are not responsible for your use of this information.
| Not FDIC Insured | Not Guaranteed by the Bank |
| Not a Deposit | Not Insured by any Federal Government Agency |
| May Be Subject to Investment Risk | May Lose Value Including Loss of Principal |