Investments

A wide variety of products are available to help meet your ever changing financial needs. Catholic Financial Life Advisors have the tools and experience to help you put together a strategy that is appropriate for your financial goals.

Retirement Plans

Regardless of your age, there is a great deal you can do to ensure your financial security in retirement. The key is to take charge of your retirement planning today!

One way to maximize your retirement savings and diversify your investments is by opening an Individual Retirement Account (IRA). An IRA gives you flexibility to keep your retirement plans on track, and may be a good fit if:

You’re changing jobs
You’re retiring soon
You’re enjoying retirement and needing to turn savings into an income stream

Another way to save is through a 401(k) or 403(b) plan, an employer-sponsored retirement plan that offers several income tax benefits. These savings plans are often portable when you leave a job, but what should you do with them? One of our experienced advisors would be happy to review your retirement savings plan(s) and help you understand all of your investment options before making a decision.

Education Savings Resources

Saving for your child's education is an important part of a family's comprehensive financial plan. Education costs must be balanced with other important needs such as saving for retirement and short-term goals. Catholic Financial Life offers a few types of education saving options:

529 Plans: 529 plans are state-sponsored savings plans. They are usually invested in mutual funds, so you have the ability to decide the level of risk you’re willing to accept to achieve your college-savings goals. 529 plans also provide the ability to save for higher education expenses while receiving tax benefits not found in other investment options.

Traditional & Roth IRAs: Most people think of an Individual Retirement Account (IRA) as a method to save for retirement - which it is - but it can also be a great tool to help you save for your children’s educational expenses.

Mutual Funds

Mutual funds give you the ability to invest in a diversified portfolio of stocks, bonds, cash equivalents or other investments without requiring you to invest a large amount of money.

Your share in a mutual fund represents one piece of all the fund’s holdings. As the value of the securities in the mutual fund fluctuates, so does the fund’s share value, although the volatility of a mutual fund is generally less than that of the individual securities that make up the mutual fund.

Brokerage Account

Brokerage accounts allow you to invest in a wider array of securities products, including:

Mutual funds
Stocks
Bonds
Exchange-traded funds

What is the SECURE Act and how does it affect me?

The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in December 2019. This new law does several things that will affect your ability to save money for retirement and influence how you use the funds over time.

How am I affected?

What is the CARES Act and how does it affect me?

Coronavirus Aid, Relief and Economic Security Act (CARES Act) was enacted on Friday, March 27, 2020. The CARES Act provides aid and assistance to individuals and business as the country deals with the coronavirus pandemic.

How am I affected?

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Securities offered through MWA Financial Services Inc., 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. MWA Financial Services, Inc. is registered with the U.S. Securities and Exchange Commission as a broker-dealer and investment adviser. MWAFS is a member of the Financial Industry Regulatory Authority, Securities Investor Protection Corporation and is registered with the Municipal Securities Rulemaking Board. For more information on regulatory authorities, visit www.sec.gov or www.finra.org. The Municipal Securities Rulemaking Board investor brochure is available at www.msrb.org.

Products are available in most states. Individual representatives may not be licensed to sell all products.

Consider the investment objectives, risks, and charges and expenses of the investment company carefully before investing. Investments in mutual funds are subject to market risks, including the potential loss of principal. For this and other information about the investment company, obtain a prospectus from your financial services representative.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may not be available if the annuity is owned by a “non-natural person” such as a corporation or certain types of trusts.

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