There are some people who eat, sleep and breathe finance. They’ve studied up on all the
stock products, tax laws and every type of investment you can imagine. For the rest of us, investing is a means of maximizing our savings and surviving. Yet we don’t have the time to learn everything about this complex field; we just want to know what “works.” To fill this void and aid us in our decision making, investor services assist individuals with their banking, insurance, brokerage and other financial needs.

One common investor service involves banking. These advisory services will help consumers choose between different credit cards, loans, checking accounts, savings accounts, money market accounts and certificates of deposit. They can also advise clients on their wealth trusts that are being saved to pass down to subsequent generations or benefactors one day. With the right asset management, you can become wealthier than you ever imagined. You may also want to invest in mutual funds like many other Americans, which will put many irons in the fire for you.

Another of the investor services is insurance. Financial advisors introduce their clients to various insurance products, like variable and fixed deferred annuities, tax deferrals, annuities and low-cost term life insurance policies. You can choose Term Life Insurance, which gives you guaranteed coverage for a certain amount of time (10-20 years); Universal Life Insurance, which is customizable based on your needs but gives more widespread coverage; Variable Life Insurance, which protects you during uncertain times; or Whole Life Insurance, which offers guaranteed death benefit protection. In some cases, a fixed annuity can provide a steady stream of income throughout your retirement, so it’s important that you ask an independent financial advisor how you can benefit most from your policy.

Charles Scwab and Co Inc. is one company offering investor services. Charles Schwab and Co has been servicing millions of investors since 1973 and operates over 300 branches in 45 states. Clients can access their financial advisor by phone, online or at their branch. Investors will be able to access tools like performance reports and market analysis on their investments. They can also speak with knowledgeable financial consultants who know about different types of investment options. Whether it’s stocks, CDs or annuities, there are services to assist you at this San Francisco-based company.

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