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A full range of Investments products and services are available with FINTEGRA Financial Services, a registered securities broker/ dealer located at Lake Area Bank. The following full line of brokerage services are available:

• Mutual Funds
• Money Market Funds
• IRA's
• Roth IRA's
• Stocks
• Tax Favored Investments
• U.S. Government Bonds
• Corporate Bonds

For more information contact Sheryl Campbell at the Lindstrom Office - 651-257-1117, or e-mail Sheryl at sherylc@fintegra.net.

Sheryl is registered to conduct securities business and licensed to conduct insurance business in the state of Minnesota. Response to, or contact with, residents of other states will be made only 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 U.S.

Fintegra Financial Solutions is a registered securities broker/ dealer and a member of FINRA, SIPC. Securities and insurance products offered through Fintegra and its insurance agency are NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE

Six Steps for Smart Investors

Listed below are six basic steps you can take automatically to make the most of your money.

1. Start Early
   The key to financial success is putting your money to work as soon as possible. If you have considered investing, then you have already taken the crucial first step. Reinvesting all dividends and capital gains puts time on your side. The more years you reinvest, the more your overall investment may benefit from compounding over time.
   
2. Set Goals
   Determine why you are investing. A new home? College tuition? Retirement? Next, decide how much time you have and how much money you will need. This will help your investment advisor determine what allocation of investments are appropriate in helping you reach your goal.
   
3. Diversify
   Make sure your investment portfolio has a good mix of investments. You shouldn't expect just one investment to help you meet all of your goals. Diversification will help you to pursue opportunity, while providing a hedge against the risk often associated with a single investment.
   
4. Remember Your Goals
   Why did you start investing? A new home? College tuition? Retirement? Keep in mind why you decided to invest and maintain your plan. Ignore daily fluctuations in the market. Remember, you are investing for 5, 10, or 25 years into the future. One strategy that highlights the advantages of maintaining your goals is dollar-cost averaging. Dollar-cost averaging is investing the same amount on a consistent basis which allows you to invest cost effectively ~ buying fewer shares when prices are high and more shares when prices are low. Keep in mind that regular investing does not assure a profit or protect against loss in declining markets, and you should consider your ability to invest through periods of low prices.
   
5. Account for Inflation and Taxes
   Inflation causes the costs of goods and services to increase continually. Money you have today will not buy as much as tomorrow. In addition, much of your earnings goes to taxes ~ federal, state and local. There are many investment choices that will maximize your returns while growing your money tax deferred or tax free*.
   
6. Seek Professional Advice
   Don't be afraid to ask for help. Even smart investors need a professional financial adviser to sort through the thousands of investment products offered today. That's our full time job: keeping up with the changing marketplace and helping you understand specific investment products and how they fit into your plan. You may not have all the answers, but you should make sure you understand what you are buying before you invest. Let us help you!

*Income may be subject to federal alternative minimum tax and state or local taxes.