CSB Investment Services
Powered by Cetera Investment Services
Investment Adviser Representative
91 South Clay Street
P.O. Box 232
Millersburg, OH 44654
330.763.2853 | 330.674.2397
Retirement Planning Services
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
Take advantage of the following services:
- Dividend Reinvestment
- Direct deposit of settlements into checking/savings accounts
- Consolidated statements, including mutual fund and annuity positions
- 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.
What 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.
- Could mean a higher rate of return
- Is a higher risk investment
What 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.
- Is a lower risk investment
- Investor could default on repaying the bond
- Typically has a lower rate of return
Mutual 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.
- Diversified Portfolio
- Risk is Shared
- Variety of Mutual Funds Options Available
- 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.
- Lower Risk Investment Option
- Short Term Investing
- Lower Return on Investment
- Minimum Balance
- Possible Fees
What 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.
- 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
- 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
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.
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