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Financial Products and Platforms

Financial Products and Platforms

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Starting an investment account for any reason, whether it’s for a down payment on a home, educational expenses, or retirement, can feel like a daunting task, especially if you’re not sure where to begin. That’s where we come in! At 3 Rivers Financial, we can help you assess all of the financial products and platforms that are available to you and choose the best course of action for your individual needs. Our team of finance advisors would also be thrilled to help you manage any investment or retirement accounts that you might already have. Regardless of where you’re starting from, we can help you take the necessary steps to ensure a bright financial future!

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What options are available to me?

There are a lot of great investment and/or retirement account options out there! After we have a conversation about your financial standing and goals, we’ll be able to go through the most optimal choices to fit your needs. This could include:

Taxable Brokerage Accounts

The main types of taxable brokerage accounts are cash and margin accounts. These are available to anyone who is 18 years of age or older. 

Employer-Sponsored Retirement Accounts

These are account types that people generally tend to be more familiar with. This category includes 401K, Roth 401K, 403B, SIMPLE IRA, and SEP IRA. If you are interested in a 403B retirement account, it is important to note that these are similar to a 401K, but are typically only offered by nonprofit organizations. Similarly, a SEP IRA retirement account is generally used by small businesses and those who are self-employed.

Individual Retirement Accounts

This includes traditional IRAs, which are available to anyone who is earning income, and Roth IRAs, which are limited to certain income thresholds.

Self-Employed Retirement Accounts

This category includes solo 401K retirement accounts, which are available to self-employed business owners who have no other employees, except for a spouse who works at least part-time.

What types of products can I invest in?

Great question! Being able to invest in certain products typically differs by account. Also, if you opt for an employer-sponsored retirement account, that would vary based on what your employer offers. However, investment and retirement accounts typically allow you to invest in products such as stocks, bonds, exchange-traded funds (ETFs), mutual funds, certificates of deposit (CDs), etc.