J. Dyhr Capital offers a wide array of services designed to satisfy your specific investment requirements. Whether it's planning for your immediate financial needs or navigating the waters of college education and/or retirement, our services are flexible enough to satisfy every investor.

Individual Investment Accounts

These accounts include any investments that are not retirement related. You may ask us to assume management of assets you bring along as part of your current financial portfolio or we may recommend new investments to meet both your short- and long-term goals.

J. Dyhr Capital also manages the following
specialized accounts:

IRAs/SEP IRAs/Roth IRAs/Education IRAs
These accounts allow a person to set aside income up to a specified amount each year and usually deduct the contributions from taxable income. The contributions and interest are tax-deferred until retirement.

This can also be in the form of an IRA Rollover(from a company retirement plan), a Roth IRA (where the initial tax deduction is not applied and no further tax is applied on distribution) or an Education IRA (an IRA vehicle for college savings purposes).

403(b) Services
A type of an individual retirement account that permits employees of qualifying nonprofit organizations to set aside tax-deferred funds. For example: educators, nurses, clergy.

401(k) Plans
A qualified plan established by employers to which eligible employees may make salary-deferral (salary-reduction) contributions on a post- and/or pre-tax basis. Employers may make matching or non elective contributions to the plan on behalf of eligible employees and may also add a profit-sharing feature to the plan. Earnings accrue on a tax-deferred basis.

Profit-Sharing Plans
A plan that gives employees a share in the profits of the company. Each employee receives into an account a percentage of those profits based on their earnings.

529 Education Savings Plans
A 529 plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher education expenses of a designated beneficiary. It is named after section 529 of the Internal Revenue Code. Although states sponsor 529 plans, record-keeping and administrative services are generally delegated to a mutual fund company. It is an investment program that allows for college savings. The growth of your investments are not taxable.

Investment Vehicles

Mutual Funds
Investment vehicles will primarily be no-load, low-fee mutual funds. J. Dyhr Capital maintains a database of more than 20,000 mutual fund options. Individual stocks and bonds along with Index Mutual Funds and Exchange Traded Funds may also be used.

A mutual fund is an investment vehicle in which shareholders combine their money to invest in a variety of stocks, bonds, and money-market investments such as U.S. Treasury bills and bank certificates of deposit.

Mutual funds provide a form of investment that lends itself to diversification. Mutual funds offer investors the advantages of professional management of invested money and diversification of that investment. Mutual fund managers assume the responsibility of investigating and researching financial markets and selecting the combination of stocks, bonds, and other investment vehicles to be bought and sold. Thus, consumers purchase shares in a mutual fund and rely on the expertise of the mutual fund manager, whose job is to provide them with the highest possible return on their investments.

Stocks and Bonds
As an investment vehicle, a stock is a security issued by a corporation that represents an ownership right in the assets of the corporation and a right to a proportionate share of profits after payment of corporate liabilities and obligations. The value of a share of stock depends upon the issuing corporation's value, profitability, and prospects. The market price reflects what purchasers are willing to pay based on their evaluation of the company's prospects.

A bond represents a loan to a corporation or government as opposed to ownership in a corporation. It is any interest-bearing government or corporate security that obligates the issuer to pay the bondholder a specified sum of money, usually at specific intervals, and to repay the principal amount of the loan at maturity.

Annuities
An annuity is a form of contract sold by life insurance companies that guarantees a fixed or variable payment to the annuitant at some future time, usually retirement.

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