Rose J.,  Retirement Specialist, Omaha, NE.
Rose J.,  Retirement Specialist, Omaha, NE.

Getting Started with TD Ameritrade

Fixed Income

When it comes to managing risk, taxes, and diversification, TD Ameritrade’s Fixed Income offering has tools to create an asset allocation that fits your planning needs. From laddering CDs to finding the right bonds for your portfolio, we offer the resources and support to create just the right balance to meet your investment goals, both online and with the assistance of a Fixed Income Specialist. We offer a wide range of fixed income products, plus tools and calculators to help determine which bonds and CDs may be right for you, and how to incorporate them into your portfolio.

Annuities

As retirement approaches, annuities can offer the benefits of tax-deferred growth, post-tax contributions as well as guaranteed income. Learn more about how tax-deferred growth and potentially mitigating risk may build value for your portfolio and how various annuities can work for you and your investment needs.

Amerivest Portfolios

As retirement approaches, consider diversifying your income in retirement with Amerivest Supplemental Income Portfolios – powered by Morningstar Associates. These Portfolios aim to generate income for a given level of risk, while also helping to preserve capital. They invest in a wide range of actively managed funds that span the globe and credit spectrum. They also invest in funds that focus on dividend-paying stocks and income-oriented trading strategies.

Cash Services

Having cash savings is vital in this economy, and it shouldn’t cost so much to keep what you have. TD Ameritrade’s Online Cash Services offering has no monthly fees or minimums, and offers free online bill pay, check writing and deposits. Sign up for direct deposit and you’ll pay no ATM fees as well, nationwide.

Fixed-income investments are subject to various risks including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. For further details, please consult with our Fixed Income Specialists at 800-934-4445.

Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are based on the claims-paying ability of the insurer. An annuity is typically a tax-deferred investment. Holding an annuity in an IRA or other qualified account offers no additional tax benefit. Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral. Product features and availability vary by state. Restrictions and limitations may apply.

The annuity products offered are issued by separate and unaffiliated third-party insurance carriers. TD Ameritrade and these companies are not responsible for each other's policies or services.

Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment objectives of the underlying investment options. This and other information is provided in the product and underlying fund prospectuses. To obtain a copy of the prospectus, contact an annuity specialist today at 800-347-7496 or email annuities@tdameritrade.com. Read the prospectuses carefully before investing.

Insurance products/services are offered through The Insurance Agency of TD Ameritrade, LLC. Brokerage services are provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA. The Insurance Agency of TD Ameritrade, LLC and TD Ameritrade, Inc. are both wholly owned subsidiaries of TD Ameritrade Holding Corporation.

Amerivest Portfolios is an investment advisory service of Amerivest Investment Management, LLC (Amerivest), a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA. Amerivest Investment Management, LLC and TD Ameritrade, Inc. are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. Amerivest is a trademark of TD Ameritrade IP Company, Inc. Amerivest provides nondiscretionary and discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the Amerivest Disclosure Brochure (ADV Part 2) http://www.tdameritrade.com/forms/TDA4855.pdf.

Steady income/returns will vary and all investments involve risk, including loss of income payments and loss of principal. Past performance does not guarantee future results. There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification do not eliminate the risk of experiencing investment losses.

Morningstar Associates, LLC (“Morningstar Associates”) is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates provides consulting services to Amerivest Investment Management, LLC (“Amerivest”) but is not acting in the capacity of advisor to individual investors. Morningstar Associates provides recommendations to Amerivest regarding asset allocation targets and selection of securities appropriate for the Amerivest Portfolios; however, Amerivest retains the discretion to accept, modify or reject Morningstar Associates’ recommendations. Morningstar Associates selects securities for the Amerivest portfolios from the universe of investments made available through TD Ameritrade. Asset Allocation target allocations are subject to change without notice. Morningstar Associates establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with Amerivest or TD Ameritrade.

Bill pay, check-writing privileges, and debit cards are provided free of charge. Fees for checks in quantities over 100, stop payment, and returned checks apply. A funded TD Ameritrade account, a personal computer, Internet access, and an appropriate Web browser are required to use the online bill pay services. TD Ameritrade will not charge you a fee for withdrawing funds from any ATM nationwide. Should the ATM operator charge you a fee, TD Ameritrade will refund the amount of the fee assessed. TD Ameritrade prohibits the fraudulent or excessive use of ATMs and reserves the right to modify or discontinue the ATM fee rebate at any time. Additional terms and conditions apply. See our rates and fees schedule for more details.

Information provided for educational and illustrative use only and is not a recommendation or solicitation to purchase or sell any specific security or strategy and is not intended for persons residing in any jurisdictions where we are not authorized to do business. Although the information provided may include material about the investment process generally, neither TD Ameritrade, Susan Bradley nor any other third party is providing personalized investment advice and does not represent that any such securities or investments are suitable for any website visitor, investor or client. Investing involves risks and losses may occur, including loss of principal. Consider your financial circumstances before investing.Research provided by non-affiliated third parties. TD Ameritrade and its affiliates are not responsible for the content and accuracy of the information provided by any third party.TD Ameritrade does not provide tax or legal advice. Investors should consider their personal circumstances and consult their legal or tax advisor prior to investing.

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This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ® 2012 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.

Offers require establishing an account with LearnVest, Inc. There is no fee to open and maintain an account with LearnVest, Inc. Offer subject to the execution of an advisory agreement with LearnVest Planning Services, LLC (LearnVest Planning). LearnVest Planning is an SEC registered investment advisor and an affiliate of LearnVest, Inc. LearnVest Planning and TD Ameritrade are not affiliated entities and offer separate services.