Investments

The partners of Coghlan Financial Group, Inc. (CFG) who are registered representatives of Securities America, Inc. offer a wealth of investment choices including:

Mutual Funds

Offer the opportunity to invest in a wide range of professionally managed stocks, bonds and money market instruments according to a specified investment objective. Mutual funds are investments involving risk and are available by prospectus only. Investment return and principal value will fluctuate so that an investors shares when redeemed may be worth more or less than original value. Please read the prospectus carefully before investing or sending money.

Unit Investment Trusts

Creates the opportunity to buy units of a fixed portfolio of investments that includes stocks or bonds held for a specific length of time. Each unit entitles the investor to a share of principal and any interest or dividends earned.

Money Markets

A highly liquid type of mutual fund in which investments are made in high-quality, short-term money market obligations in order to help protect principal while providing moderate income. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity.

Equity Investments

Partners who are registered representatives of Securities America, Inc. may offer investors the opportunity to trade securities individually. Those partners who are financial advisors with Securities America Advisors, may offer securities as part of a managed investment portfolio.

Fixed Income

Establishes a source of income, while providing moderate return potential on investment. Types of fixed income investments include corporate bonds, municipal bonds, convertible bonds, Treasuries and certificates of deposit. US Treasuries are government securities and are backed by the full faith and credit of the US Government. Certificates of Deposit (CD's) are FDIC insured up to $100,000 and offer a fixed rate of return. Other investments are not guaranteed and involve investment risks.

Annuities

Establishes a contract with an insurance company in which deposits into an account accumulate tax-deferred. When the contract matures, the insurance company provides a source of income to the individual according to the terms of the contract. Annuities are designed for long-term retirement investing. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59, a 10% federal tax penalty may apply. An investment in a variable annuity involves investment risk, including the possible loss of principal. Variable annuities are available by prospectus only. Investment return and principal value will fluctuate so that the contract, when redeemed may be worth more or less than the total amount invested. Read the prospectus carefully before you invest or send money. An investment in the securities underlying a variable annuity is not guaranteed or endorsed by any bank, is not a deposit or obligation of any bank, and is not federally insured by any government agency.