Broker Check


headerImage-5.jpg - Latest 07/19/16 1:46 PM - Elizabeth McArdle

Retirement Accounts (traditional, ROTH, and rollover)

A retirement account is a financial arrangement designed to replace employment income upon retirement. They typically play a major role in retirement income planning.

Employer Sponsored Retirement Plans

These retirement plans are sponsored by employers and allow the participant to contribute through payroll deduction either on a pre-tax or after-tax basis. These can include 401ks, 403bs, profit sharing, etc.


Annuities are investment vehicles that offer tax-deferred growth during the accumulation stage and income potential in retirement. Annuity contracts typically provide a guaranteed distribution of income over time until the death of the person or persons named in the contract or until a final date, whichever comes first.

Mutual Funds/Strategic Portfolios

Actively managed mutual funds are used in many of RedStone Advisors’ strategic portfolios. Mutual funds offer professional management in any of the markets, sectors or asset classes we feel can optimize portfolio performance.

Separately Managed Accounts

A separately managed account (SMA) is a term within the investment management industry encompassing several different types of investment accounts. We use SMAs to target specific managers, areas of the market, etc. and to utilize a more tax-efficient investment structure than other investment vehicles may offer.

Exchange Traded Funds (ETFs)

An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds, and trades close to its net asset value over the course of the trading day. We use ETFs in some of our SMA models as well as to target a specific sector within some of our models.

*Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost.

529 Plans

A 529 plan is a tax-advantaged investment vehicle designed to allow saving for the future higher education expenses of a designated beneficiary in a tax-efficient way.

Insurance (Life, Long term Care, Disability)

Insurance plays a highly important role in an overall plan. We address insurance needs and help the client determine what the actual needs are and how to fill that need with the proper coverage.

Trust Management Services

When necessary RedStone Advisors has access to trust services through Charles Schwab Bank affiliates and other third party firms As we deal with legacy planning, special needs dependents, etc. trust companies can play an important role.