Edwin Mendiola Edward Torres Carlos Ramos Ramon Meza Jocelyn Rivera FINANCIAL AND INVESTMENT PLANNING

WHAT IS FINANCIAL ? Finance is a field that deals with the allocation of assets and liabilities over time under conditions of certainty and uncertainty.

WHAT IS INVESTMENT PLANNING ? The placing of funds into the proper investment vehicles based on the investor's future goals, time horizon, and priorities. This also takes into account the safety of the investments as well as liquidity and level of return. Ideally, proper investment planning will allow the investor's funds to produce financial rewards over time.

STOCKHOLDERS Any person, company or other institution that owns at least one share of a company’s stock.

BANKS Many banks offer the option to use their financial advisors for your investments. They may offer incentives such as lower fee transactions or free checking if you have an investment account at the bank. Generally, there is a minimum amount that they want you to continue to have invested through them in order to maintain the services.

FINANCIAL ADVISOR A financial advisor that works for a bank will likely be able to offer you a wide variety of investments as well as life insurance options. The brokerage fees should be comparable to other financial advisors that work specifically for a brokerage house or independently. It can be reassuring to have a reliable company and name when you are thinking about investing.