Products & Solutions

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services: 

  • Mutual funds
    • Mutual Funds allow you to pool your money with that of other investors who have similar investment goals. These funds provide potential for long-term growth, professional money management, and diversification* opportunities for investment dollars.
  • Annuities

    • The following annuities are offered with FVSB Financial Services, through INFINEX INVESTMENTS, INC.,: Tax Sheltered Annuities** are tax qualified plans offered to employees of non-profit organizations and employees of public school systems.

      Fixed Annuities, which are tax deferred, allow you to safely take advantage of competitive fixed interest rates. A fixed annuity is a dependable insurance product that can provide you with steady income in the future.

      Variable Annuities combine the tax-deferral benefits of a fixed annuity with the flexibility and performance of an investment fund. You control the investment options and can take advantage of potentially competitive returns through market exposure.

  • Structured CDs
    • FVSB Financial Services, through Osaic Institutions Inc., offers access to various bank CDs. CDs have characteristics that are common with bonds but also include FDIC protection up to the applicable limits. CDs should be held to maturity to avoid loss of principal.
  • Stocks and Bonds
    • Our investment professionals can place stock, bond, and treasury bill orders. All domestic stock exchange orders are available to our clients. We offer access to a broad range of bonds to help you meet your income needs, including Treasuries, Federal Agencies, corporate, municipal, and mortgage-backed. We can also process employee stock options.
  • Real Estate Investment Trusts (REITs)
    • REITs are companies that own and manage a portfolio of various types of real estate. REITs can sell like stocks on major exchanges and can provide diversification and long-term capital appreciation. Clients may enjoy the benefits of real estate ownership without the associated difficulties of being a landlord.
  • College Savings Plan
    • We can help facilitate College Savings Plans, which can be used to pay tuition, fees, room and board, books, and required supplies at accredited colleges, universities, and vocational schools across the country.
  • Retirement Plans
    • We offer access to various IRAs: SIMPLE, Roth, traditional, rollovers, transfers, and SEP (Simplified Employee Pension) plans. IRAs allow the income from interest, dividends, and capital gains to compound each year without taxes**. In addition, you can also defer taxes on either the money you put into the plan initially or on the money you withdraw in retirement, depending on whether you choose a traditional or Roth IRA.

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Investment products may lose value. Mutual funds and variable annuities are offered by prospectus; the prospectus contains more complete product information-including fees and expenses-and should be read carefully before investing. Structured CDs are long-term investments that are subject to risk and are not suitable for purchase by all people. It is important to read and understand the CD's Term Sheet with information on fees, costs, and risks prior to investing. It is important to carefully review the prospectus to understand all risks and costs prior to investing. REIT investments include significant risks including limited liquidity., fluctuations in principal, and no guarantees regarding performance. It is important to carefully review the prospectus to understand all risks and costs prior to investing. This information should not be construed as investment advice or a recommendation with respect to the products listed. This information should not be construed as investment advice or a recommendation with respect to the products listed.

*Diversification is a method of controlling risk. It does not assure a gain or the avoidance of loss.

**This information is general in nature and should not be construed as tax advice. FVSB Financial Services nor Osaic Institutions does not offer tax advice. Please consult your tax professional prior to investing.