Brokerage Services


 

CSB Investment Services

Cheryl Steiner

Investment Adviser Representative

91 South Clay Street
P.O. Box 232
Millersburg, OH 44654


cheryl.steiner@ceterais.com
330.763.2853 | 330.674.2397
 


What life events are you experiencing?

 
List of Life Changes
  

We'll put a personalized plan

together for you.

Let us help.



Retirement Planning Services Pie Chart Icon

Drawing on a wealth of experience to create a strategy and portfolio to help you pursue your goals, Cheryl will assemble a personalized plan to help meet your investment objectives.

With multiple ways to invest money and enjoy a good return, we provide you with a full spectrum of investment products, including those that have commonly been offered by brokerage firms.

  • Financial Planning
  • Fee Based Asset Management
  • Extended Care Coverage
Team Icon

Plan Features

Take advantage of the following services:

  • Dividend Reinvestment
  • Direct deposit of settlements into checking/savings accounts
  • Consolidated statements, including mutual fund and annuity positions
  • eStatements
  • Online Account Access

Cetera Investment Services is an experienced brokerage firm, providing services to customers of nearly 500 financial institutions. Customers like you have convenient access to securities investments at CSB with its familiar, comfortable surroundings and friendly people.

Cetera Commentary   Monthly Recap

Global IconWhat are Stocks?

Stocks represent partial ownership of a company. There are two (2) ways to make money through a stock. One would be to "buy low and sell high" also called stock appreciation. The other is through dividends. A dividend is a way for a company to give a portion of its earnings to share-holders but not all stocks offer dividends payments.

 

Pros
  • Could mean a higher rate of return
Cons
  • Is a higher risk investment
 
All offerings are subject to price change and availability. This information is obtained from internal and external sources which are believed to be reliable, however, no guarantee of its accuracy can be made. Due to fluctuating market conditions, yield/principal value may be higher or lower if security is sold prior to maturity. Stock offering yields include calculations which are the lower of the yield to maturity or the yield to call.

Cash IconWhat are Bonds?

Bonds are issues by governments, companies, and other entities. It can be thought of as a loan and and are issued for a specific period of time. When issued the value is also called face value. Regular interest payments are made to the investor called coupon. After the bond has matured issuer repays the face value back to the investor.

Pros
  • Is a lower risk investment
Cons
  •  Investor could default on repaying the bond 
  • Typically has a lower rate of return
 
All offerings are subject to price change and availability. This information is obtained from internal and external sources which are believed to be reliable, however, no guarantee of its accuracy can be made. Due to fluctuating market conditions, yield/principal value may be higher or lower if security is sold prior to maturity. Bond offering yields include calculations which are the lower of the yield to maturity or the yield to call. 

Safe IconMutual and Money Market Funds

What are Mutual Funds?

A mutual funds in made up of a group on investors who come together to buy a various number of investments including stocks and bonds. This means the risk and gains are shared by a larger amount of people. It can be a way to diversify your investments. Mutual funds can come in different levels of risk so they can still be as individual as you are. Mutual funds may come with fees and changes along with a minimum investment amount. A diversified portfolio does not assure a profit or protect against loss in a declining market.

Pros
  • Diversified Portfolio
  • Risk is Shared
  • Variety of Mutual Funds Options Available
Cons
  • Possible Fees for Investment Manager
  • Minimum Investment Amount


What are Money Market Funds?

Money Market Funds are lower risk investments and are typically invested in things like treasury bills and other stable instruments. Money markets are short term liquid investments. These investments may come with fees and usually have a minimum balance needed to open and maintain the account.

Pros 
  • Lower Risk Investment Option
  • Short Term Investing
Cons
  • Lower Return on Investment
  • Minimum Balance
  • Possible Fees

Mutual funds and variable annuities are sold by prospectus. The Prospectus contains additional information that investors should consider carefully such as the investment objectives, risks, charges, and expenses. A prospectus is available from an Investment Executive. Read carefully before investing or sending money.

Profile IconWhat are Annuities?

Annuities are financial instruments issued by life insurance companies and are tax-deferred similarly to a 401k or IRA. There are different types of annuities including fixed and variable annuities and may have fees associated with them. 

 

 

What does Tax-Differed mean?

Tax-differed means that the money invested in the annuity is grown tax-free until the funds are withdrawn. This includes dividends and interest as long as it is reinvested. If withdrawn before the age of 59 1/2 you may have to pay an IRS penalty on the withdrawn amount. After age 59 1/2, the withdrawn amounts are subject to be taxed. 

 

Pros
  • Annuities are Tax-Deferred
  • Can be used as another option for lower risk investment in a retirement portfolio
  • Additional features through riders for long term care or income
 
Cons
  • Many annuities have a surrender charge associated with them. To counter act they may also have a free withdrawal percentage that can be taken each year without having to pay the surrender charge
  • IRS penalty on withdrawals before 59 1/2 - this is because it is a retirement instrument
  • Some annuities have fees associated with them
 
Mutual funds and variable annuities are sold by prospectus. The Prospectus contains additional information that investors should consider carefully such as the investment objectives, risks, charges, and expenses. A prospectus is available from an Investment Executive. Read carefully before investing or sending money.
Retirement Planing
Icon of Hot Coffee
Selling or Starting  a Business
Icon for Selling a Business
Medical Expenses
Icon for Medical Expensese
Giving or Receiving Inheritance
Icon for Inheritance
New Baby or Addition to the Family
Icon for Baby CarriageNew Baby or Addition to the Family
Caring for a Loved One
Icon for Disabled Loved OneDownsizing or Selling a Home
Downsizing or Selling a Home
Icon for Downsizing
Marriage
Icon for Marriage

Check the background of this investment professional on FINRA’s BrokerCheck

 

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

 

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

 

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

 

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com