Broker Check

515 Houston Street
Suite 651
Fort Worth, TX 76102

LinkedIn

Derek J. Moffatt, AWMA

(682) 747-0134

 

Personal Wealth Management

To pursue financial independence, it has never been more important to enlist the help of a professional financial consultant to help address your unique needs and goals. By asking the right questions and discovering what is most important, you and your consultant will develop and implement an investment plan designed especially for you.

Separately Managed Accounts

Gives you access to money managers who, if engaged independently, require multimillion dollar account minimums. You will have direct ownership of securities in the portfolio, which can have several advantages, such as custom-tailored portfolios, the ability to exclude specific securities from your portfolio for business, moral, ethical or other reasons and tax-efficient investing.

Separately managed accounts may or may not be managed on a tax efficient basis.  Please consult with your representative for any opportunities with a certain manager's portfolio to monitor tax efficiency.  

Mutual Fund Account

Whether you need income, prefer socially responsible investing or a more aggressive allocation, you and your consultant will craft a portfolio of carefully selected mutual funds to address these and other specific needs. You may benefit from in-depth research, objective recommendations and informed asset selection. Your financial consultant has the resources to maintain a disciplined focus on pursuing your individual needs.

Investing in mutual funds involves risk, including possible loss of principal.  

Variable Annuity

If you are looking for a way to invest on a tax-deferred basis and supplement your retirement savings, a variable annuity may be an option. Variable annuities are long-term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component and carry insurance related charges. A variable annuity can be tailored to address your individual requirements with optional features at additional costs, such as protected lifetime income, longterm care needs and principal guarantee to name a few. Your consultant will help you choose a variable annuity product that is suitable for you.

Variable annuities are sold only by prospectus. Guarantees for variable annuities are based on claims paying ability of the issuer. Withdrawals made prior to age 59½ are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of these investments will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value. Optional features may carry additional costs and may have restrictions and limitations. Investors should consider the investment objectives, risks, charges and expenses of the variable annuity contract and sub-accounts carefully before investing. The prospectus contains this and other important information about the variable annuity contract and sub-accounts. You can obtain contract and sub-account prospectuses from your financial representative. Read prospectuses carefully before investing.  

Additional Wealth Management Services:

  • Cash management
  • Life insurance
  • Charitable giving
  • REITS