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Brokerage CDs

A Flexible, Low Risk Way to Earn More on Your Cash

In today’s interest rate environment, many investors are searching for safe, effective ways to generate predictable returns. Brokerage CDs offer an alternative to traditional savings accounts and bank CDs, combining security with potentially higher yields.

 

At Water Street Wealth, I help you make the most of your cash through smart, structured CD strategies that fit your overall financial plan.

Idle Cash Means Missed Opportunities

Leaving cash in a low-yield account can hold back your financial progress. Without a strategy, you may miss out on higher returns or tie up funds in restrictive products. Brokerage CDs give you more flexibility, access to better rates, and the ability to stay liquid while earning more on your short-term funds.

How I Use Brokerage CDs in Your Strategy

FDIC Insured – Your deposits remain protected up to applicable limits

Higher Yield Potential – Often better rates than local bank CDs

Flexible Terms – Choose maturities from 3 months to 5 years

No Bank Hopping – Access multiple issuers through one account

Secondary Market Liquidity – Sell before maturity if needed

We help you decide when CDs are the right move, combine them with Treasuries or bond ETFs when appropriate, and structure your holdings for liquidity, safety, and simplicity.

Let’s Put Idle Cash to Work Safely

Whether you are approaching retirement or simply looking to make your cash more productive, brokerage CDs can offer a smart, low risk solution. We will help you compare options, manage liquidity, and keep your plan aligned.

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