ALMOST THERE

      Your finances have a steady step and there is still space to grow. Oriental offers powerful financial tools and a team of expert advisors to safely and effectively maximize returns on the assets you have acquired.

    Key questions to analyze your current situation
    • Is your money giving you as much return as possible?
    • Are your assets protected against third party claims?
    • Are you contributing enough for your retirement and receiving the best tax benefits?

    Get familiarized with Investments*
    • Many people think that they need thousands to begin to invest and that is completely untrue. There are countless investment products currently on the market that do not require large contributions to begin.

      When deciding that you want to begin investing:

      1. Think about what is it that you want to do and how much money you have available.

      2. Be well informed of the products available and determine your risk tolerance. You can perform this exercise with the help of a financial advisor or securities broker at Oriental.

      3. Determine the amount you wish to receive and the minimum return you expect.

      4. Invest in those products that serve your needs, meet your goals and with the risk level you can tolerate.

    Our Solutions:
    • Checking and Savings Accounts and Certificates of Deposit
    • Your checking and savings account and your certificates of deposit should be the cash reserve of 3 to 6 months' worth of expenses. Make sure that you are receiving the highest interests possible and that you are getting the services you expect.
    • Mortgages**
    • Your home is your biggest investment. Don't forget to make sure that the interest you are paying is competitive and that your home can be a source of capital for any investment.
    • Retirement Plans
    • Continue to contribute the maximum amount to your retirement plans to maximize tax savings, employer's matching benefits and secure a solid financial foundation for retirement.
    • Investments**
    • Use you excess savings to start building your investments portfolio. One of our Financial Planning Officers will help you design an investment strategy that fits your needs.
    • Insurance
    • Review your insurance policy to make sure that it fits your current reality. You may be able to lower the cost if you reduce the benefit.
    • Trusts1
    • Protect the assets you have accrued from third party claims and insure the future of your loved ones with Trusts from Oriental Group.
        Learn more
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        *The FDIC does not insure investment products; they are neither deposits nor obligations of Oriental Bank and Trust and are not guaranteed by Oriental. They are subjected to investment risks, including the possibility of losing the capital invested. **Subject to credit approval. 1 Request and read carefully detailed information on the plan before participating. Insurances offered by Oriental Insurance Agency, a subsidiary to Oriental Financial Group Inc. Oriental Financial Services Corp. Member, FINRA/SIPC and Oriental Bank and Trust are subsidiaries to Oriental Financial Group Inc. ©2009 Oriental Financial Group Inc. Reserved Rights.