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Tom Meaglia, ChFC®, AEP®,

CLU®, CRPC®, MSFS

Chartered Financial Consultant

Investment Advisor Representative

Chartered Retirement Planning Counselor

CA Insurance Lic. #0567507

 

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

 

Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120

 

Email: tom@meagliafinancialconsulting.com

Website: www.meagliafinancialconsulting.com

May/June 2019

Fixed Income Solutions

Fixed Income Solutions

When you want to combine safety from your investments and a way to keep up with inflation in retirement, owning a few fixed income options may serve your purpose. Here’s a look at how some fixed income options might fit into your investment and savings approach in retirement.


Least Risky
You can lose ground with any fixed investment when inflation outpaces interest rates. Also know that while Treasury bonds, bills and notes you buy directly are backed by the full faith of the United States government, the same investment inside a mutual fund* can lose principal.


Mostly Safe
Money market funds** are another relatively safe short-term investment that offers investors a nominal
interest rate. These funds strive to keep a net asset value (NAV) at $1, another way of saying they strive to not lose money. They can lose principal, however, if they go below $1 per share. Fixed income annuities offer an interest rate which can rise or fall depending on overall interest trends.


More Risk, More Potential
If you want to accept more risk, investment-grade corporate bonds may offer a decent mix of relative safety and return. Work with a financial professional to identify your risk tolerance and your appropriate level of risk.


* Because mutual fund values fluctuate, redeemed shares may be worth more or less than their original value. Past performance won’t guarantee future results. An investment in mutual funds may result in the loss of principal. Carefully consider investment objectives, risks, charges and expenses of the investment company before investing. The prospectus, which you can get from your registered representative, will include this and other information; read it carefully before investing.


** The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.


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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees.
Meaglia Financial Consulting and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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