Municipal Bonds 

Did you know that depending on your current tax bracket, you could pay as much as $39 in federal income taxes for every $100 earned on a fully taxable investment? Most municipal bonds offer income that is exempt from federal income tax. You keep more of what you earn instead of paying a portion to the government. In addition, if you live in the state in which the issuing municipality or agency is located, they are generally exempt from income taxes in that state. Income may be subject to federal alternative minimum tax.

Just what are municipal bonds? Municipal bonds are debt instruments issued by states, municipalities, their agencies or their political subdivisions. By purchasing municipal bonds you're making a loan that's used to fund public works projects that include building schools, improving roads, or repairing bridges. In return you're entitled to regular interest payments and repayment of your principal when the bond matures.

Interested in learning more? Contact a First Investment Center Representative. Cetera Investment Services, LLC and First National Bank Minnesota are not tax advisors. Consult your tax advisor before making any tax related investment decisions.

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Securities, insurance products and advisory services offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity. First Investment Center, 226 Nassau Street, St. Peter, MN 56082.

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Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.




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