Investment Centers of America

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Map & DirectionsDirections321 Veterans AveSisseton, SD 57262 Write a ReviewWrite Review

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Extra Phones: TollFree: (800) 422-3468
Categories: Investment Securities, Annuities & Retirement Insurance Plans, Financial Planners, Financial Planning Consultants, Financial Services, Insurance, Investment Advisory Service, Investment Management, Investments, Mutual Funds, Retirement Planning Services, Stock & Bond Brokers

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Phone: (605) 698-3978

Address: 321 Veterans Ave, Sisseton, SD 57262

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Investment Centers of America

Tax Planning
Examination: Â CFPÂ® practitioners must pass a comprehensive two-day, 10-hour CFPÂ® Certification Examination that tests their ability to apply financial planning knowledge in an integrated format. Based on regular research of what planners do, the exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Roth IRA
Income Tax
Withdrawals will first come from any contract gains and may reduce the death benefit, optional benefits or contact value. Taxable distributions are subject to ordinary income tax and may be subject to a federal income tax penalty if made prior to 59 1/2 years of age. Certain qualified plans may require distributions to begin by age 70 1/2.
Tax Deferral
Fixed annuities are long-term investments designed for retirement purposes. Guaranteed interest rates are based on the claims-paying ability of the underlying insurance company. Surrender charges may apply. Withdrawals are subject to ordinary income taxes, and if made prior to age 59 1/2 may be subject to a 10% penalty. Additional benefits and riders may increase the cost of the premium or lower the interest rate. Tax deferral is of no additional benefit if annuity is held in a retirement account such as an IRA or 457 (b) plan.
Capital Gains Taxes
Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. If sold prior to maturity, capital gains tax could apply.

Investment Management
Implementation of your investment portfolio management strategy is the final step in the initial process, but only the beginning of our ongoing commitment to you. Continued collaboration with you and your trusted professionals ensures we continue to support your investment objectives. As markets fluctuate and objectives change, we make ongoing tactical adjustments as needed, consistently strategizing to ensure your plan complements your changing life priorities.
Mutual Funds
IRAâ€™s are retirement savings accounts with certain tax advantages, making them appropriate savings vehicles for retirement. A lot of people mistakenly think an IRA itself is an investment â€“ but itâ€™s just the vehicle in which you keep stocks, bonds, mutual funds, exchange traded funds, CDâ€™s and other assets.
Bonds
Wealth Management
Once we have insight into your distinct financial situation, we begin to design a highly customized, integrated wealth management plan. When creating your personalized plan, we use strategies based on key principles, such as the importance of prudent diversification and the central role of asset allocation in managing risk. Our experienced team is skilled in addressing the unique complexities and concerns that affluent individuals face and, having managed assets through a wide range of market cycles, understands the importance of adopting a long-term perspective and maintaining a consistent approach.

Financial Planning
CFPÂ®, CERTIFIED FINANCIAL PLANNERâ„¢ are certification marks owned by Certified Financial Planner Board of Standards Inc. (CFP Board), which can help you identify financial planners who are committed to competent and ethical behavior when providing financial planning. Individuals certified by CFP Board have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFPÂ® certification process that includes demanding education, examination, experience and ethical requirements. These standards are called â€œthe four Es,â€ and they are four important reasons why the financial planning practitioner you select should display the CFP certification marks.
Retirement Planning
Annuities
Fixed annuities provides a guarantee between you and the insurance company based on both the rate of return (interest rate) and the payout to you as the investor. The predictability of a fixed annuity make it a very popular option for investors who want a guaranteed income stream to supplement their other investment and retirement income. Each contract will explain how and when interest rates may adjust and the terms of the payouts.
Long Term Care
Long-term care needs can be one of the most catastrophic risks to assets. Yet, many Americans are inadequately prepared for such risks.
Asset Management
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a nondiversified portfolio. Diversification and asset allocation do not protect against market risk.
Asset Protection
Asset protection and preservation are two of the most important, yet most often neglected, aspects of our financial lives. When we fail to protect against the unknown, we risk placing financial hardship on our loved ones.

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