IBC Investment:

IBC Investment:

IBC Investment is a subsidiary of International Business Channels established to provide the investment and financial services to companies and individuals.
Our Financial Advisors are committed to provide top-notch service and attention that our customers expect and deserve. This includes getting to know the customers and understanding their interests, goals, and concerns before drawing up an investment plan or recommending specific products and services. We work closely with our customers to see where they are now and where they want to be in five years, 10 years, 20 years, and all the years in between

Our Firm:

We are uniquely equipped to help the customers succeed financially. Whether they prefer face-to-face contact with a Financial Advisor, over-the-phone advice, or online and mobile tools, we let them choose how and to what degree, we help manage their account or help them manage and monitor it on their own.
Our advisors and online tools are supported by some of the nation’s top investment research analysts and strategists. We bring both Wall Street vision and Main Street values to our relationships with clients.
Whatever your needs, whether insurance or general money matters or banking and lending, we provide financial advice beyond investments. Through affiliations with other financial institutions, we can help our clients address aspects of their financial picture in a convenient, comprehensive manner.

Our Process

We’re anything but your typical investment firm. Unlike firms that help our clients invest toward an amount as a retirement target, our approach to financial advice starts with your unique life goals.

Planning with a Financial Advisor

Once we’ve helped our clients in exploring their nearest and dearest goals and dreams, we’ll create an investment plan together to support them.
Our innovative Envision planning process helps our clients. Financial Advisor keeps our clients on track toward a future they can look forward to — once they have chosen themselves. Best of all, our process is flexible, allowing us to easily update their plan whenever their goals or circumstances change.

Products and Services

Our Financial Advisors provide advice and guidance on a full range of products and services to help maximize the elements of client’s financial life.
Client’s investments should work together to help them accomplish their financial goals. We give them access to many investment products and services.

Credit and Lending:

We can introduce you to services that can help you build and preserve your assets, as well as manage your borrowing needs.

Insurance:

Life, disability and long-term care insurance help to protect your goals from life’s knowns and unknowns.

Advisory Services:

Managing investments can consume your precious time. If you are unsure about which choices are right for you, consider an advisory program.

Account Services:

Discover services Wells Fargo Advisors offers to make it easier to stay on top of your investments.

Business Services:

Products and services, available through your Financial Advisor, can help you manage your assets and plan for the future.

Customized products and services for business owners:

Your Company is one of your most important assets and the product of your hard work. We are committed to helping you maximize the success and profitability of your business through specialized products and services to help give your business the cash flow and support it needs to thrive.

Employee benefit plans and packages:

A competitive employee benefit package helps you attract and keep employees, regardless of the size of your company. Business owners must also consider the cost-effectiveness of employee benefits. Determining which benefits to offer employees requires understanding the advantages and disadvantages of each type of benefit as well as the experience of a Financial Advisor and tax and legal professionals.

Business owner life insurance:

If you’re a business owner, it’s important to provide protection for your family in the event of your death. When determining your life insurance needs, be sure to consider both replacing the income your family depends on, and also providing funds to pay off business-related liabilities. Your Financial Advisor can help you determine how much life insurance coverage you may need.

Funding the buy-sell agreement:

If you own a business with others, consider establishing a buy-sell agreement, which determines how ownership of the business will be transferred if one owner dies. Life insurance is often used to fund buy-sell obligations.

Key person insurance:

If your company’s success relies heavily on the contribution of specific individuals, you may want to consider purchasing key person insurance. You can use the proceeds from this type of business insurance to help offset the loss of sales your business would experience or expenses it may incur if a key person dies.

Succession planning and business exit strategies:

Whether your goal is to keep your business in the family, sell your interest to a key employee or co-owner, or prepare it to be acquired by another company, you can benefit from beginning the succession planning and exit strategy process many years in advance.

Selling a business:

Once you have sold your business, how will you provide current and future income for yourself and your family?
Whether you’re planning to sell your business — or part of your business — to a co-owner, one or more of your children, employees, or someone else, it’s important to consider if you will stay involved. And once you have sold your business, how will you provide current and future income for yourself and your family?

Transferring the business to a family member

There are a variety of successions planning strategies you can use to transfer the business to a family member, including one or more of the following:
• Selling the business to the family member
• Establishing lifetime gifts
• Transferring the business through your estate plan

The importance of a buy-sell agreement

If your business has more than one owner, you need to understand the risks you may face if one of you dies unexpectedly. Some questions you should consider include:
• Who would become your new partner if your co-owner died?
• If you died, would your spouse or family be able to sell your shares at a fair price?
A written buy-sell agreement can help protect you and your business from the effects of unintended or unwelcome transfers of ownership. It also protects your heirs by giving them an opportunity to turn shares into cash. In addition, it’s important to develop a plan to fund the transfer of ownership of the business, such as buying a life insurance policy for that specific purpose.

Invest:

• You have many options for investing.
• Investments should work together to help you accomplish your financial goals.

Types of investments:

Part of the investment planning process is making investment choices that fit your investment strategy. Those investments should work together to help you accomplish your financial goals. We’re dedicated to providing you a wide range of investment products and services to help you meet them.
As an investor, you have many options. Common types of investments include:
Part of the investment planning process is making investment choices that fit your investment strategy.

Stocks:

An investment giving you partial ownership in a company based on the number of shares you purchase. Stocks tend to fluctuate more in the short term, but may perform well over time.

Bonds:

An investment that functions as a loan to a government or institution in return for regular interest payments. Bonds can provide more stability than stocks, even though bonds have historically provided lower returns than stocks.

Mutual Funds:

A fund allowing you to pool your money with others in a professionally managed portfolio. Mutual funds offer diversification through a mix of stocks, bonds, and other investment types. Exchange-traded funds (ETFs): A basket of securities traded throughout the day — just like individual stocks — on a national stock exchange. Like mutual funds, you purchase shares of an overall fund rather than individual investments.

Future and Commodities:

Futures contracts are legal obligations to buy or sell a commodity or security at a later date “in the future”. The buyer agrees to purchase the commodity or security at a predetermined future date and price, and the seller agrees to deliver.

Annuities:

A contract between you and an insurance company requiring the insurer to make payments to you, either immediately or in the future. You make regular contributions to the annuity for a guaranteed income stream later in life.

Individual Retirement Accounts (IRAs):

A type of savings account designed to help you save for retirement. There are several types of IRAs, including traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs, which offer tax advantages.

Brokered certificates of deposit (CDs)

Brokered CDs are CDs issued by banks, purchased in bulk by securities firms and sold to clients through Financial Advisors. Investors do not receive physical certificates for their brokered CDs, but instead receive a periodic account statement detailing their CD holdings.