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This site is not for use by any residents of any jurisdiction where Richfield Orion International, Inc. is not licensed as a registered Broker Dealer. The information here is expressed as our opinion and is believed to be reliable, but not guaranteed by us.

Securities offered through Richfield Orion International, Inc., member FINRA/SIPC. 5353 N. Union Blvd., Suite G-1, Colorado Springs, Co. 80918, Phone (720) 231-4103.

This website does not constitute an offer to sell or a solicitation of an offer to purchase securities. All investment strategies have risks. Past performance and/or forward statements are never an assurance of future results.

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Bonds

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Health Savings Account (H.S.A)

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Advisor Opportunities

Options

Private Placement

Real Estate Investment Trusts (REITS)

Stocks

Variable Anuities

Variable Life Insurance

A debt investment in which an investor loans money to an entity (corporate or
governmental) that borrows the funds for a defined period of time at a fixed interest rate. Bonds are used by companies, municipalities, states and U.S. and foreign governments to finance a variety of projects and activities.

Bonds are commonly referred to as fixed-income securities and are one of the three main asset classes, along with stocks and cash equivalents.

The indebted Entity (issuer) issues a bond that states the interest rate (coupon) that will be paid and when the loaned funds (bond principal) are to be returned (maturity date). Interest on bonds is usually paid every six months (semi-annually). The main categories of bonds are corporate bonds, municipal bonds, and U.S. Treasury bonds, notes and bills, which are collectively referred to as simply "Treasuries".

Two features of a bond - credit quality and duration - are the principal determinants of a bond's interest rate. Bond maturities range from a 90-day Treasury bill to a 30-year government bond. Corporate and municipals are typically in the three to 10-year range.

Bonds

A savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination. CDs are generally issued by commercial banks and are insured by the FDIC. The term of a CD generally ranges from one month to five years.

An account created for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover. Contributions are made into the account by the individual or the individual's employer and are limited to a maximum amount each year. The contributions are invested over time and can be used to pay for qualified medical expenses, which include most medical care such as dental, vision and over-the-counter drugs.

The HSA account has three major tax savings: the money contributed into the account is tax deductible, it grows tax free, and certain withdrawals are tax free if they are for qualified medical expenses. To qualify for an HSA account, you must have coverage from a high-deductible health plan and you must not be enrolled in Medicare or be listed as a dependent on another person's tax return.

Health Savings
Account (H.S.A)

Mutual Funds

Mutual Funds are an open-ended fund operated by an investment company which raises money from shareholders and invests in a group of assets, in accordance with a stated set of objectives. Mutual Funds raise money by selling shares of the fund to the public, much like any other type of company can sell stock in itself to the public.

Mutual funds then take the money they receive from the sale of their shares (along with any money made from previous investments) and use it to purchase various investment vehicles, such as stocks, bonds and money market instruments. In return for the money they give to the fund when purchasing shares, shareholders receive an equity position in the fund and, in effect, in each of its underlying securities.

For most mutual funds, shareholders are free to sell their shares at any time, although the price of a share in a mutual fund will fluctuate daily, depending upon the performance of the securities held by the fund.

Benefits of mutual funds include diversification and professional money management. Mutual funds offer choice, liquidity, and convenience, but charge fees and often require a minimum investment.

Options

Used for hedging stock positions and for speculative purposes. Option values are derived from the value of the underlying investment instrument and the time remaining to exercise the option.

Private Placement

Raising of capital via private rather than public placement. The result is the sale of securities to a relatively small number of investors. Since a private placement is offered to a few, select individuals, the placement does not have to be registered with the Securities and Exchange Commission. In many cases detailed financial information is not disclosed and the need for a prospectus is waived.

Real Estate Investment
Trusts (REITS)

Properties such as office and industrial buildings, apartment buildings, hotels,
warehouses, health care facilities, shopping malls, or golf courses.

Individual REITs may focus on one sector. While many REITs invest directly in these properties, some types of REITS can also invest in real estate related loans (such as mortgages). A hybrid type of REIT can invest in a combination of real properties and mortgages. Structurally, a REIT is set up as a company, shares of which may be purchased by investors. The management of the REIT company uses those pooled investment dollars to buy and manage an array of properties. Collectively, all shareholders own investment units of a trust that owns various properties.

Plain and simple, stock is a share in the ownership of a company. Stock represents a claim on the company's assets and earnings. As you acquire more stock, your ownership stake in the company becomes greater. Whether you say shares, equity, or stock, it all means the same thing.

Stock

Variable Annuities

A Variable Annuity is a contract sold by an insurance company designed to provide a payment of an amount, not guaranteed, to the holder at specified intervals, usually after retirement. The holder is taxed only when they start taking distributions or if they withdraw funds from the account. All annuities are tax-deferred, meaning that the earnings from investments in these accounts grow tax-deferred until withdrawal. Annuity earnings are also tax-deferred so they cannot be withdrawn without penalty until a certain specified age.

Variable Life

Variable Life is life insurance for which the amount of the payments is determined by the performance of the underlying investments chosen by the policyholder. Agents selling such policies must be Registered Representatives of a broker/dealer licensed by FINRA and registered with the SEC.

Choices range from low-risk fixed income funds to high-yield stock and bond funds. Higher fees typically accompany these accounts. Returns are generally not guaranteed and the policyholder instead of the insurance company assumes investment risk. Premiums remain fixed under this arrangement. As would be expected, the better the investments perform, the larger the death benefit will be. However, the death benefit will not drop below a certain minimum, regardless of investment performance.

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