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Brokerage Account

Brokerage Account

A Brokerage account may be established to help you achieve a variety of different investment goals, either with the guidance of a Financial Advisor or self-directed if you wish to manage your own investment portfolio. The purpose of a Brokerage account could be for general portfolio investing purposes or to supplement your retirement portfolio. A Financial Advisor will help you evaluate your current assets, financial goals, and attitudes toward risk to develop a personal investment strategy. 

Benefits

  • Maximum flexibility to invest in thousands of publicly traded securities including stocks, bonds, mutual funds, exchange-traded funds (ETFs), U.S. Treasuries, Brokered CDs, or unit investment trusts (UITs)
  • Professional advice and management to create and maintain a personalized investment plan
  • Flexibility in titling your account
  • Online account access and trading
  • Detailed monthly statements and a comprehensive year-end tax statement
  • Automatically pay for purchases from, or have sales proceeds credited to, your Commerce Bank account(s) 
  • Receive more than SIPC account protection1

Considerations

  • Capital gains and income are taxed. 
  • Estate planning and account titling decisions should be discussed with your tax advisor.
  • Retirement planning – No maximum contribution limits, so investments outside your qualified plans can be a good next step when you have contributed the maximum to your IRAs and employer-sponsored plans; however, they do not have the tax advantages of an IRA.
 

Disclosures

  1. Securities in accounts carried by National Financial Services LLC (NFS) are protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 (including cash claims limited to $250,000). NFS has arranged for additional insurance protection for cash and securities to supplement its SIPC coverage. This additional protection covers total account net equity in excess of the $500,000/$250,000 coverage provided by SIPC. An explanatory brochure on SIPC is available upon request or at www.sipc.org. Neither coverage protects against a decline in the market value of securities.

The information provided on this website is not meant as a recommendation or endorsement of any specific security or strategy. An individual’s situation can vary; therefore the information provided above should be relied upon only when coordinated with individual professional advice.

Mutual funds, annuities, and other investment products:

Not FDIC-insured

May lose value

No bank guarantee

Commerce Brokerage Services, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Commerce Bank. This site is not intended for use by, or to provide any information to, investors in any state where Commerce Brokerage Services, Inc. is not registered or in any jurisdiction outside the United States of America where such use would be prohibited or otherwise regulated. Nothing on this web site shall be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.