WE’LL HELP YOU MAKE INFORMED DECISIONS.
There are thousands of investment options available, each offering a different combination of risk and return. For new and even experienced investors, sifting through the choices can be time consuming and confusing. At Lakeland Financial Services, representatives will point you toward investments with objectives that reflect your financial goals. They are trained to assess your unique situation and to help you understand all the implications of your decision.

WE’LL BE HERE FOR YOU WHEN YOU HAVE QUESTIONS OR CONCERNS.
We know that successful investing is a long-term process, so we won’t disappear after you invest your money. We’re located right here in your branch office, and we want to continue to serve you over the life of your investment. Your Investment Representative will be happy to help you understand your statements or answer questions about how your investment is performing. As your financial situation changes, your Investment Representative will be available to help you review your portfolio and suggest areas that may need adjustments.

WE FAVOR QUALITY AND HAVE A CONSERVATIVE BIAS.
Through Essex National Securities, Inc. and Essex National Insurance Agency, Inc., a fully licensed insurance agency, we make available a range of investment options that reflect our conservative philosophy. We believe in a long-term investment strategy that strives to balance risk and return by using a diversified portfolio. We focus on quality so you can invest with confidence.

TAX-DEFERRED FIXED ANNUITIES CAN PROVIDE SUBSTANTIAL TAX ADVANTAGES.
A fixed annuity is a dependable insurance product that can provide you with steady income in the future. For most individuals, as long as your money remains in a tax-deferred annuity, you pay no current state or federal taxes on your earnings, and pay taxes only when you withdraw accumulated earnings.* Because annuities are designed to provide income at retirement, any withdrawals prior to age 59½ may be subject to a 10% IRS penalty. For retirees in need of monthly income, some annuities offer periodic income options.

* Please consult your tax advisor. Income may be subject to the alternative minimum tax.

YOU HAVE ACCESS TO MUTUAL FUNDS AND VARIABLE ANNUITIES THROUGH ESSEX NATIONAL SECURITIES, INC. 
Many people are learning that mutual funds are a smart, easy and cost- effective way to invest. Mutual funds allow you to pool your money with that of other investors who have similar financial goals. A variable annuity combines the tax-deferral benefits of a fixed annuity with the flexibility and performance of an investment fund. As an owner, you control the investment options. With a variable annuity, the value is dependent on the investment results of your portfolio and could be more or less than your original contribution. 

With the help of the Investment Representatives, who are registered with Essex National Securities, Inc., a registered broker/dealer, member FINRA/SIPC, you may realize potentially higher returns in exchange for accepting fluctuation in principal value and rate of return. For investors able to accept some risk, mutual funds offer important advantages:

• Diversification: When you buy shares of a mutual fund, you spread your dollars across a wide range of securities. This helps reduce the risks of investing in a single security.
   
• Professional Management: Experienced professionals manage the investment portfolio, putting their knowledge to work for you.
   
• Ready Liquidity: With most mutual funds, you may redeem all or part of your shares on any business day, at the then current share price (which may be more or less than the price you originally paid for the shares.)

Our comprehensive and open architecture asset management platform allows advisors to deliver disciplined, objective investment advisory services to their clients.

Guided Portfolio Strategies
Our strategic partnerships with RogersCasey, Sage Advisory Services and Frontier Asset Management provide a heavy layer of research and intelligently designed products. Each strategist delivers intelligent and uniquely positioned investment solutions to your clients:

STRATEGIC MUTUAL FUND AND ETF PORTFOLIOS Sub - Advisor: RogersCasey
Combines forward looking capital market intelligence and best-in-class manager selection to deliver sophisticated, high caliber strategic mutual fund and ETF portfolios.

Product Offering

• 5 Strategic MF Portfolios
• 5 Strategic ETF Portfolios
• 2 Income-Oriented Portfolios
• 3 Core/Satellite Portfolios

TACTICAL ETF PORTFOLIOS Sub-Advisor: Sage
A leading provider of ETF research and managed products, constructs top-down tactical models that are value-oriented and risk-averse.

Product Offering

• 3 Tactical Risk-Based ETF Portfolios
• 2 Tactical All Equity Portfolios

STRATEGIC AND TACTICAL MUTUAL FUND PORTFOLIOS Strategist: Frontier
A boutique asset management firm, who builds fundamental products that are designed to deliver consistent returns with good downside protection.

Product Offering

• 1 Strategic MF Balanced Portfolios
• 2 Tactical MF Portfolios
• 1 Absolute Return Portfolios

Would you like an appointment?
Its easy to arrange for your confidential financial review. Fill out the information below and click the Request Appointment button, and we will contact you for an appointment. Or ask a banking professional at your branch office to arrange an appointment with an Investment Representative.

Securities are offered through Essex National Securities, Inc., member FINRA/SIPC. Insurance products are offered through Essex National Insurance Agency, Inc.

NOT FDIC INSURED
NO BANK GUARANTEE
NOT A DEPOSIT
MAY GO DOWN IN VALUE
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY