Find Your Retirement Savings and Income Needs!

Use the Retirement Calculator to Help Plan Your Retirement

• Get much MORE than investment advice!
• A realistic assessment
• Real world options for your savings, home equity, Social Security, insurance and family
• Access to unbiased information

Investing in your community can help you on the path to financial security. High quality municipal bonds offer stable, tax-exempt interest income.

Thousands of local governments pay for improvement projects by issuing municipal bonds (munis) to build hospitals, libraries, schools, and highways. These projects not only maintain our quality of life, but they also strengthen our communities by relying on local American labor. In return for the loan (a.k.a. your investment), the city, county, state or local tax district returns a tax-free, fixed interest rate and promises to return the face value of the security at maturity.

Check Up on Issuer

Concerned about the safety of your investment? Check the ability of the bond issuer to pay back the principal and interest by investigating the bond’s rating.

• Rating agencies, such as Moody’s, Standard and Poor’s, and Fitch provide an assessment of the comparative credit-worthiness of tax-exempt issuers.
• These ratings range from AAA (best quality) to C (weakest).
• Unrated bonds are considered speculative.

Savings invested in municipal bonds during your working years provide flexibility when times are flush. Build up your income stream whenever you can. Stable interest income brings financial freedom, gives you more choices, provides a lifeline in hard times, and helps you to build a solid foundation for retirement.