BNH Financial Services offers access to investment products and services for every stage of life and financial circumstances. Whether it is brokerage, insurance, wealth management, or commercial strategies that you seek we have a product, program, or service to meet your investment needs.
MUTUAL FUNDS*: A mutual fund is simply a financial intermediary that allows a group of investors to pool their money together with a predetermined investment objective. The mutual fund will have a fund manager who is responsible for investing the pooled money into specific securities (usually stocks or bonds). When you invest in a mutual fund, you are buying shares (or portions) of the mutual fund and become a shareholder of the fund. Mutual funds are a convenient way to invest in (you do not have to determine which stocks or bonds to buy). Click here to access a quick guide to Mutual Funds.
FIXED ANNUITIES**: A fixed annuity guarantees a minimum fixed rate of return. A fixed annuity also may guarantee a higher rate of return for a certain period. At the expiration of that period, the contract may guarantee a different rate of return for another certain period. The insurance company guarantees that it will fulfill its obligations to the annuity owners. This guarantee is backed by the full faith and credit of the insurance company offering the annuity (there is no government guarantee associated with annuities, i.e., FDIC). Click here to access a quick guide to Fixed Annuities.
VARIABLE ANNUITIES***: With a variable annuity, an investment component exists in a managed pool of assets, called "subaccounts", that comes with the insurance contract intended to offer various protection features, such as a death benefit and other available options for an extra charge or fee, often called "riders". As with a fixed annuity, earnings grow tax-deferred, meaning taxes won't be due until you begin receiving payments. In exchange for your investment, the insurance company agrees to pay a stream of income over time, depending on the contract chosen. That stream can start immediately upon payment of a lump sum (with what's called an immediate annuity) or start at some set point in the future (a deferred annuity), and the size of those payments is dependent on the performance of the underlying investment over time. Click here to access a quick guide to Variable Annuities.
EQUITIES (Individual Securities): A complete range of equity and options trading is available to you. Through our relationship with Pershing—a member of the NYSE, AMEX, CBOE, and other leading exchanges—our clients can execute trades of listed securities on major exchanges throughout the world. Pershing is also a participant in NASDAQ and other leading over-the-counter trading services, providing access to individual securities in the OTC market.
REITS****: The primary objectives of REITS are to provide investors with diversification into a different asset class, current income, and the opportunity for pooling investments into large commercial real estate properties you might not typically be able to afford on your own.
The benefits of REITS include:
Wide Range of High-quality Properties
Varying Lease Terms
Diversification – Just as a personal investment portfolio should be diversified to reduce risk,
REIT portfolios achieve diversification through:
The number of tenants who lease properties
The number of industries represented by tenants
The length of lease terms signed by tenants
The geographic locations of properties throughout the United States
LIFE INSURANCE: We are able to offer access to a full range of insurance products and services including, Term / Permanent Life insurance and Long-Term Care / Disability insurance from a variety of carefully selected product providers. To access more information we provide quick guides for insurance services such as Disability Insurance, Long-Term Care Insurance, and Life Insurance.
RETIREMENT PLANNING: Retirement plans are the predominant method for people to accumulate savings for retirement. There are numerous types of retirement plans, but some of the plans offer some combination of tax advantages and other incentives. To access more information we provide quick guides for retirement planning services such as Retirement Plan Distribution, Retirment Plan for Self-Employed, Individual Retirement Plans, 401(k) Rollovers and Retirement Income.
FINANCIAL PLANNING: Encompasses the comprehensive treatment of income, expenses, assets and liabilities, stock options, and federal and state taxes over the life of an investor. It is recommended you utilize the services of a dedicated and trusted consultant who will work with you in a relationship based on trust and confidence, to show you how to reach your goals for retirement, college and more. Financial Planning offered though Cetera Financial Services, an SEC Registered Investment Advisor. To access more information we provide quick guides for financial planning services such Investment Basics, College Funding, Making Critical Estate Decisions, Wills, Trusts & Probate, and Understanding Estate Taxes.
If you would like more information regarding these products, click here to contact a Financial Consultant today.
Securities and insurance products are offered by, and Investment Consultants are registered with Cetera Investment Services, member FINRA /SIPC . Cetera and Bank of New Hampshire are independent entities. Securities and Insurance products (1) are not bank deposits; (2) are not insured or guaranteed by the FDIC or any other government agency; (3) are not obligations of, or guaranteed by, any financial institution; and (4) involve investment risks, including the potential for fluctuations in investment return and the potential loss of principal.
Cetera is the SEC Registered Investment Adviser. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided.
Not FDIC Insured
No Bank Guarantee
May Lose Value
Not a Deposit
Not Insured by any Federal Government Agency
* You should consider a mutual fund's investment objectives, risks, charges and expenses carefully before investing. Contact your Financial Advisor to request a prospectus, which contains this and other information about a specific mutual fun. Read it carefully before you invest.
Past performance is no guarantee of future results. Investment return and principal value of a mutual fund will fluctuate causing shares, when redeemed, to be worth more or less than their original cost.
**Variable and fixed annuities are long-term, tax-deferred investment vehicles designed for retirement purposes; but the variable annuity contains both an investment and insurance component. Variable annuities are sold only by prospectus. Guarantees are based on claims paying ability of the issuer. Withdrawals made prior to age 59 1/2 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 the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.
***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 information about the variable annuity contract and sub-accounts. You can obtain contract and underlying sub-account prospectuses carefully before investing.
Past performance is no guarantee of future results. Investment return and principal value of a variable annuity will fluctuate, causing shares, when redeemed, to be worth more or less than their original cost. Withdrawals made prior to age 59 1/2 may result in an IRS penalty. Guarantees are based on the claims paying ability of the issuer.
****REITs are subject to certain risks, including changes in the economy, supply and demand, laws, tenant turnover, interest rates (including periods of high interest rates), availability of mortgage funds, operating expenses, and cost of insurance. Some real estate offers limited liquidity options.
You should consider REIT's investment objectives, risks, charges and expenses carefully before investing. Contact your Financial Advisor to request a prospectus, which contains this and other information about a specific REIT. Read it carefully before you invest.
Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.