WELCOME TO STS. Our clients can be assured of receiving confidential, personalized services when doing business with us.

Size: px
Start display at page:

Download "WELCOME TO STS. Our clients can be assured of receiving confidential, personalized services when doing business with us."

Transcription

1

2 WELCOME TO STS Southern Trust Securities Holding Corporation ( STSHC ), based in Coral Gables, Florida, (Miami Dade County) is a holding company that has two wholly owned subsidiaries : Southern Trust Securities, Inc ( STS ), Southern Trust Securities Asset Management, Inc ( STS Asset Management ) and majority owned Southern Trust Metals, Inc. STS is a full retail and institutional registered brokerage dealer and investment banking firm and through STS Asset Management provides asset management to a selected circle of domestic and international based clients. STS manages financial portfolios for individuals, pension funds, retirement plans, foundations, trusts and corporations. STS offers access to all major domestic and international securities and option exchanges, as well as fixed income products, options, corporate, government, agencies, municipals and emerging market debt. STS s investment banking group focuses on merger and acquisition services, private placements and private placements bridging to public offerings through reverse mergers into publicly traded shell corporations. STS Asset Management is an asset management company which manages client funds under fixed fees arrangements. STS Asset Management professionals are also registered and licensed to advise and manage insurance products for its clients. Our clients can be assured of receiving confidential, personalized services when doing business with us.

3 RETAIL & INSTITUTIONAL BROKERAGE SERVICES STS was founded in 1999 and is a member of the Financial Industry Regulatory Authority (FINRA), Securities Investors Protection Corp (SIPC), National Futures Association (NFA) and Municipal Security Review Board (MSRB). STS participates fully in domestic and international debt and equity market on behalf of our clients by maintaining a correspondent relationship with Pershing, LLC., a wholly owned subsidiary of the Bank of New York Company, Inc., one of the largest bank holding companies in the United States. Additionally, STS participates in the domestic and international futures and forwards markets which are available to our clients. As a Full Service Broker/ Dealer, STS s goal is to serve our clients globally by providing value added advice, products, diversification and services with a high standard of expertise with reference to capital markets that exemplify the highest standards of personal and professional ethics in all aspects of our service offerings. STS manages portfolios for individuals, pension funds, retirement plans, foundations, trusts and corporations on a wrap fee basis, or on a fee plus basis, at the clients election. STS offers a full range of trading and investment vehicles, including:. Equities. Fixed Income. Foreign Exchange. Options. Swaps. Commodities. ETF s. Futures. Forwards. Hedge Funds. Mutual Funds. Life Insurance and annuities, etc STS also offers Corporate services as:. Rule 144 stock disposition. Employee stock option execution STS takes advantage of a full range of tactical and strategic investment solutions tailored to match our clients objectives and needs.

4 ASSET MANAGEMENT Southern Trust Securities Asset Management, Inc (STS Asset Management) offers a diverse range of portfolio styles and investment strategies to meet the unique financial goals and risk profile of our clients, whether it is an individual, corporate entity, pension fund, family office or a trust. STS Asset Management financial advisors take the time to understand our client needs and therefore offers a professional financial guidance tailored to a personalized investment solution. STS Asset Management manage a wide variety of investment alternatives and specialized products, in order to establish a sensible investment strategy for our client s portfolio. Our client s long-term goals emphasize the importance of a personal asset allocation, provided by trusted advice and personalized service. STS Asset Management offers traditional equity and fixed-income strategies, as well as mutual funds and alternative strategies composed by hedge funds and real estate funds. Financial & Estate Planning Our clients rely on STS Asset Management as a source of extensive financial and fiduciary expertise and personalized guidance in the complex process of creating a financial or estate plan. STS Asset Management advisors will integrate our client s individual strategies into one comprehensive plan, ensuring that everything is done in consistency with our client s goals. In the process of implementing our financial and estate planning strategies, STS Asset Management works to incorporate the following products and services:.... Insurance and Annuities: - Life insurance for personal and business purposes - Fixed and variable annuities Retirement Plans: - IRA s, 401k s, 403bs, SEPs, etc. Mutual Funds: - Manager Mutual funds - Domestic (open/closed end) - International Charitable Planning

5 CORPORATE FINANCE & INVESTMENT BANKING Corporate Finance: STS s investment bankers are fully conversant in all of the traditional as well as the new and innovative securities structures, as they evolve. STS seeks to bring private companies to the attention of the public; therefore, we focus on initial public offerings and secondaries, private placements convertible into publicly traded shares and private placements bridging to initial public offerings. STS provides advice and financial management expertise to assist our corporate clients in finding the most value-enhancing financing alternatives, to effectuate their plans. Investment Banking Services : General Services: STS investment banking professionals have the experience to perform the following investment banking services:. Private placements of Debt and Equity : - Senior Secured and Unsecured Debt - Subordinated (Mezzanine) debt - Preferred Stock - Common Stock. Merger and Acquisition services : - Sales of Operating Companies - Buy side Advisory - Acquisition Financing. Restructuring Advisory Services : - Financing for Distressed Companies - Debtor-in-Possesion Services - Creditor Representation Services. Real Estate Financing Advisory Services: - Sales of Real Estate portfolios - Real Estate Financing

6 CORPORATE FINANCE & INVESTMENT BANKING Specialized Services:. Reverse Merger Public Transactions: STS specializes in effecting reverse mergers of private companies into public companies. Generally STS will also raise equity, convertible preferred, for the post merged public company immediately after the merger. STS has access to various types of shell corporations thus enabling our clients to quickly merge with a shell and become a public company. STS will also assist the new public company in all aspects of being a public company including coordination with the company s outside attorney and accountants to facilitate the filing of the appropriate registration statements and other SEC filings. In addition, STS will assist the company in finding new markets for their stock.. Merchant Banking: STS will on a select basis invest its own capital in certain companies. We welcome opportunities in corporate and real estate that require operating capital or where there is a growth or value investment opportunity. Should you wish to submit an investment opportunity that requires funding, we ask that you submit a two-page Executive Summary describing your proposal to : Invesment.banking@stshc.com If your funding requirements match our investment strategies, we will contact you directly.

7 INVESTOR RELATIONS STS is focused to help our clients manage their financial assets, identify opportunities and succeed in the constantly changing financial markets, as well as enhancing and creating value to our shareholders.

8 CUSTOMER IDENTIFICATION PROGRAM NOTICE (CIP) Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, financial institutions are required by Federal law to obtain, verify and record information that identifies each individual or entity that opens an account. What this means for individuals: When an individual opens an account, we will ask for their name, residence address, date of birth, tax identification number and other information that allows us to identify them. We may also ask to see a driver's license, passport or other identifying documents. What this means for other legal entities: When a corporation, partnership, trust or other legal entity opens an account or requests credit, we will ask for the entity's name, physical address, tax identification number and other information that will allow us to identify the entity. We may also ask to see other identifying documents, such as certified articles of incorporation, partnership agreements or a trust instrument.

9 PRIVACY POLICY Southern Trust Securities, Inc. recognizes the importance of safeguarding the personal information of our customers. Therefore, it is the policy of Southern Trust Securities, Inc. and our affiliates that customer information must be protected in accordance with all applicable federal, state and local laws and regulations. We share a commitment to protect your privacy and the confidentiality of your personal and financial information. Collection of Information As providers of products and services that involve compiling personal - and sometimes, sensitive - information, protecting the confidentiality of that information has been, and will continue to be, a top priority throughout Southern Trust Securities, Inc. We believe that you should know about the information we collect, the measures we take to safegaurd it, and the situations in which we might share information with select business partners. This letter explains how Southern Trust Securities, Inc. handles - and protects- the personal information we collect. Southern Trust Securities, Inc. must collect a certain amount of information to provide customer service, offer new products or services, evaluate benefits, administer our products, and fulfill legal and regulatory requirements. Specific examples may not apply to all customer, and the information we collect varies accordingly. Examples include: Information on your account application and related forms, such as name, address, date of birth, Social Security number, gender, marital status, assets, income, and investment options elections; Information about your relationship with us, such as products or services purchased, account balances, and payment history; Information provided by your employer, benefits plan sponsor or association regarding any group product you may have, such as name, address, Social Security number, age, income, and marital status. Sharing and Use of Information We may share the personal information described for business purposes with the following companies affiliated with us: Financial service institutions, such as mutual fund companies, securities brokers, clearing brokers and banks, with whom we have joint agreements (such as agreement to market financial services or products that they jointly offer, sponsor with us); OR Companies under contract to perform services for us or on our behalf.

10 CONTACT USA: Corporate Office: 145 Almeria, Coral Gables, Florida 33134, USA (305) Precious Metals: International: Spain: Switzerland: Argentina: Mexico Nexo Card

Webster Wealth Advisors, Inc.

Webster Wealth Advisors, Inc. Webster Wealth Advisors, Inc. 195 Danbury Road, Suite 220 Davenport Building Wilton, CT 06897 (888) 862 9644 www.websterwealthadvisors.com March 30, 2015 This Brochure provides information about the qualifications

More information

Dennis Matthew Breier d/b/a Fairwater Wealth Management

Dennis Matthew Breier d/b/a Fairwater Wealth Management Item 1 Cover Page Dennis Matthew Breier d/b/a Fairwater Wealth Management Registered Investment Adviser 16W455 S. Frontage Road, Suite 311 Burr Ridge, Illinois 60527 (630) 282-6520 phone (630) 282-6520

More information

Ameriprise Brokerage Non-Qualified Account Application For Internal Use Only Account Number

Ameriprise Brokerage Non-Qualified Account Application For Internal Use Only Account Number DOC0105402192 Ameriprise Financial Services, Inc. 70100 Ameriprise Financial Center Minneapolis, MN 55474 Ameriprise Brokerage Non-Qualified Account Application Part 1 Account Owner Details Account Owner

More information

Part 2A of Form ADV: Firm Brochure

Part 2A of Form ADV: Firm Brochure Part 2A of Form ADV: Firm Brochure Item 1 Cover Page A. VL Capital Management LLC 55 West Church Street Orlando, FL 32801 Mailing Address: P.O. Box 1493 Orlando, FL 32802 Phone: (407) 412-6298 Effective

More information

Wealth Management Platform. - Model Portfolios Program - Part 2A Appendix 1. Program Brochure. For

Wealth Management Platform. - Model Portfolios Program - Part 2A Appendix 1. Program Brochure. For Wealth Management Platform - Model Portfolios Program - Part 2A Appendix 1 Program Brochure For VISION2020 Wealth Management Corp. One World Financial Center, 15th Floor New York, NY 10281 (800) 821-5100

More information

Reference guide for clients of MML Investors Services, LLC

Reference guide for clients of MML Investors Services, LLC Reference guide for clients of MML Investors Services, LLC In order to enhance your understanding of MML Investors Services, we are providing this brochure which includes information regarding: MML Investors

More information

Vaughan Asset Allocation Investment Program

Vaughan Asset Allocation Investment Program 12/31/2015 Investment Advisors To Multigenerational Investors Member FINRA & SIPC 1 A Separately Managed Account Description: The invests in various asset class securities, commonly Exchange Traded Funds

More information

Form ADV Part 2A Brochure March 30, 2015

Form ADV Part 2A Brochure March 30, 2015 Item 1 Cover Page Form ADV Part 2A Brochure March 30, 2015 OneAmerica Securities, Inc. 433 North Capital Avenue Indianapolis, Indiana, 46204 Telephone: 877-285-3863, option 6# Website: www.oneamerica.com

More information

Unison Advisors LLC. The date of this brochure is March 29, 2012.

Unison Advisors LLC. The date of this brochure is March 29, 2012. Unison Advisors LLC 2032 Belmont Road NW, #619 Washington, DC 20009 T 646 290 7697 F 646 290 5477 www.unisonadvisors.com The date of this brochure is March 29, 2012. This brochure provides information

More information

Account Fees: Fee. Physical Certificate Fee Check Delivery. Fees. Outgoing fed wire fee

Account Fees: Fee. Physical Certificate Fee Check Delivery. Fees. Outgoing fed wire fee ERISA Section 408(b)(2) Disclosure Document Brokerage Services Introduction: This disclosure document (this Disclosure Document ) provides an overview of the fees and other compensation charged for or

More information

Nationwide Securities, LLC. Form ADV Part 2A ( Brochure )

Nationwide Securities, LLC. Form ADV Part 2A ( Brochure ) Nationwide Securities, LLC Form ADV Part 2A ( Brochure ) 10 West Nationwide Blvd, 5-01-103A Columbus, OH 43215 1-877-233-3370 www.mynfn.com March 28, 2016 This Brochure provides information about the qualifications

More information

INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014

INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014 INSIGHT FINANCIAL ADVISORS 400 North Tustin Avenue, Suite 250 Santa Ana, CA 92705 (714) 541-1400 www.insightfa.com October 1, 2014 This Brochure provides information about the qualifications and business

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Delray Financial Group LLC is an independent regional boutique wealth management firm whose sole business is to serve its clients. With over 25 years of personalized, professional

More information

Honest Advisors, LLC 600 Congress Ave., 14 th Floor Austin, TX 78701. www.honestdollar.com. Wrap Fee Program Brochure. As of: May 1, 2015

Honest Advisors, LLC 600 Congress Ave., 14 th Floor Austin, TX 78701. www.honestdollar.com. Wrap Fee Program Brochure. As of: May 1, 2015 Honest Advisors, LLC 600 Congress Ave., 14 th Floor Austin, TX 78701 www.honestdollar.com Wrap Fee Program Brochure As of: May 1, 2015 This wrap fee program brochure provides information about the qualifications

More information

FORM ADV Uniform Application for Investment Adviser Registration Part II - Page 1

FORM ADV Uniform Application for Investment Adviser Registration Part II - Page 1 OMB APPROVAL OMB Number: 3235-0049 February 28, 2011 Expires: Estimated Average burden Hours per response...4.07 Uniform Application for Investment Adviser Registration Part II - Page 1 Name of Investment

More information

Ferguson-Johnson Wealth Management

Ferguson-Johnson Wealth Management Firm Brochure (Part 2A of Form ADV) Item 1 Cover Page Ferguson-Johnson Wealth Management Investment Counseling & Wealth Management for Individuals & Institutions 51 Monroe St. Suite PE 25 Rockville, MD

More information

Personal Capital Advisors Corporation

Personal Capital Advisors Corporation Form ADV Part 2A Appendix 1 Personal Capital Advisors Wrap Fee Program Brochure Personal Capital Advisors Corporation 500 Howard Street, Suite 400 San Francisco, CA 94105 855-855- 8005 www.personalcapital.com

More information

Financial Solutions LLC

Financial Solutions LLC Financial Solutions LLC Form ADV Part 2A February, 2014 4946 Donegal Cliffs Drive Dublin, Ohio 43017 614 604 3551 www.financialsols.com This brochure provides information about the qualifications and business

More information

1 Regional Bank Regional banks specialize in consumer and commercial products within one region of a country, such as a state or within a group of states. A regional bank is smaller than a bank that operates

More information

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans Retirement Plans Choosing a Retirement Plan That Works for You and Your Company Retirement Plans About Stifel Nicolaus Stifel Nicolaus is a full-service Investment firm with a distinguished history of

More information

IRS Issues Final FATCA Regulations

IRS Issues Final FATCA Regulations IRS Issues Final FATCA Regulations The United States Internal Revenue Service (IRS) has issued long-awaited final regulations (the Final Regulations) under the Foreign Account Tax Compliance Act (FATCA).

More information

Investment Advisors. Form ADV Part II. 265 Brookview Centre Way, Suite 504 Knoxville, TN 37919 865-583-7390. www.trustfirst.com

Investment Advisors. Form ADV Part II. 265 Brookview Centre Way, Suite 504 Knoxville, TN 37919 865-583-7390. www.trustfirst.com Investment Advisors Form ADV Part II 2015 265 Brookview Centre Way, Suite 504 Knoxville, TN 37919 865-583-7390 www.trustfirst.com Table of Contents Page 3 Page 3 Page 4 Page 4 Page 4 Page 4 Page 4 Page

More information

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE

KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 FORM ADV PART 2 BROCHURE KMH Wealth Management, LLC PO Box 2549 101 S. Main St. Suite 300 Victoria, TX 77902 361 573-4383 Fax 361 573-1168 www.kmhwealth.com mail@kmhwealth.com 3/19/2014 FORM ADV PART 2 BROCHURE This brochure provides

More information

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU Table of Contents Harrington Capital Management, LLC is a branch office of and Securities offered through WFG Investments, Inc., member FINRA & SIPC. Investment

More information

Wealth Management Platform. - Advisor Managed Portfolios - Part 2A Appendix 1. Program Brochure. For

Wealth Management Platform. - Advisor Managed Portfolios - Part 2A Appendix 1. Program Brochure. For Wealth Management Platform - Advisor Managed Portfolios - Part 2A Appendix 1 Program Brochure For VISION2020 Wealth Management Corp. One World Financial Center, 15th Floor New York, NY 10281 (800) 821-5100

More information

F I R M B R O C H U R E

F I R M B R O C H U R E Part 2A of Form ADV: F I R M B R O C H U R E Dated: 03/24/2015 Contact Information: Bob Pfeifer, Chief Compliance Officer Post Office Box 2509 San Antonio, TX 78299 2509 Phone Number: (210) 220 5070 Fax

More information

FIDUCIARY ADVISERS KNOW THE FACTS

FIDUCIARY ADVISERS KNOW THE FACTS FIDUCIARY ADVISERS KNOW THE FACTS There is a significant amount of confusion and misinformation in the marketplace regarding investment advisers ability to relieve plan sponsors of their fiduciary responsibilities

More information

877 314 2255 usaa.com. April 1, 2015

877 314 2255 usaa.com. April 1, 2015 USAA Investment Management Company USAA Managed Portfolios UMP program (Appendix 1) 9800 Fredericksburg Road San Antonio, TX 78288 0227 877 314 2255 usaa.com April 1, 2015 This wrap fee program brochure

More information

Horizons Wealth Management FORM ADV PART 2 BROCHURE

Horizons Wealth Management FORM ADV PART 2 BROCHURE Horizons Wealth Management 82 Patton Avenue Suite 202 828-337-9395 800-680-0982 www.horizonswealth.com davidhunter@horizonswealth.com Date 3-31-2015 FORM ADV PART 2 BROCHURE This brochure provides information

More information

Form ADV Part 2A Investment Advisor Brochure

Form ADV Part 2A Investment Advisor Brochure Form ADV Part 2A Investment Advisor Brochure Name of Registered Investment Advisor Pacific Wealth Management, LLC Address 12544 High Bluff Drive, Ste 440, San Diego, CA 92130 Phone Number 858 509 9797

More information

Why Invest in a Non-Traded Business Development Company?

Why Invest in a Non-Traded Business Development Company? Why Invest in a Non-Traded Business Development Company? This literature must be read in conjunction with the prospectus in order to fully understand all of the implications and risks of the offering of

More information

Vanguard Financial Plan Brochure

Vanguard Financial Plan Brochure Vanguard Financial Plan Brochure June 21, 2013 Vanguard Advisers, Inc. 100 Vanguard Blvd., Malvern, PA 19355 800-337-6241 vanguard.com This brochure provides information about the qualifications and business

More information

FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053

FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053 Item 1 Cover page FIRM BROCHURE DATED: FEBRUARY 11, 2015 POSITIVE RETIREMENT OUTCOMES, LLC 116 MAIN STREET, SUITE 200 MEDWAY, MA 02053 WWW.POSITIVERETIREMENTOUTCOMES.COM Contact: Brian D. Dillon, President

More information

Advance Capital Management The Villages, Florida ADV Brochure

Advance Capital Management The Villages, Florida ADV Brochure Advance Capital Management The Villages, Florida ADV Brochure One Towne Square Suite 444, Southfield MI 48076 800-345-4783 www.acfunds.com This brochure provides information about the qualifications and

More information

Goldman Sachs IRA IRA

Goldman Sachs IRA IRA Goldman Sachs IRA A P P L I C A T I O N IRA Instructions for Opening Your Account New Accounts If you are opening a Traditional IRA, Roth IRA or SEP IRA, review this booklet and complete the Goldman Sachs

More information

SECOND NOTICE: IMPORTANT INFORMATION REGARDING YOUR GE STOCK IRA ACCOUNT

SECOND NOTICE: IMPORTANT INFORMATION REGARDING YOUR GE STOCK IRA ACCOUNT GE Investment Distributors, Inc. C/O U.S. Bancorp Fund Services, LLC SEC Registered Broker-Dealer - Member FINRA & SIPC P.O. Box 701 Milwaukee WI 53201-0701 United States Tel: 800-242-0134 October 5, 2015

More information

Supplement dated February 2, 2016. to the

Supplement dated February 2, 2016. to the HATTERAS ALTERNATIVE MUTUAL FUNDS TRUST Supplement dated February 2, 2016 to the HATTERAS ALPHA HEDGED STRATEGIES FUND Prospectus and Statement of Additional Information ( SAI ) dated April 30, 2015, as

More information

GEM Financial Advisors, Inc. 100 N. Field Court Suite 215 Lake Forest, IL 60045 847-680-3082

GEM Financial Advisors, Inc. 100 N. Field Court Suite 215 Lake Forest, IL 60045 847-680-3082 Item 1 Cover Page 100 N. Field Court Suite 215 Lake Forest, IL 60045 847-680-3082 www.gemadvisors.com Date of Brochure: May 2013 This brochure provides information about the qualifications and investment

More information

Putnam Stable Value Fund

Putnam Stable Value Fund Putnam Stable Value Fund Offering Statement 3 15 16 Goal 2 What is Putnam Stable Value Fund? 2 Investment strategy 2 Risks of the Fund 5 Eligibility 6 Fund provisions 7 Fees and Expenses 9 Putnam Fiduciary

More information

Principal Investing - The Inner Workings of a Private Equity Firm

Principal Investing - The Inner Workings of a Private Equity Firm Principal Investing - The Inner Workings of a Private Equity Firm 2 Wachovia Capital Partners Agenda Introduction to the Speaker An Overview of Wachovia and its Principal Investing Unit Investing Capital

More information

DIVERSIFIED RESOURCES, LLC Registered Investment Advisor FORM ADV PART 2 BROCHURE

DIVERSIFIED RESOURCES, LLC Registered Investment Advisor FORM ADV PART 2 BROCHURE DIVERSIFIED RESOURCES, LLC Registered Investment Advisor 70 Jefferson Boulevard Warwick, RI 02888 (401) 941-1500 (800) 968-9753 www.divres.com 3/1/2015 FORM ADV PART 2 BROCHURE This brochure provides information

More information

Walter A. Kapuscinski

Walter A. Kapuscinski Walter A. Kapuscinski Accomplishment and Employment Biography PART ONE: SECURITIES INDUSTRY ADVISORY AND CONSULTING EXPERIENCE Over forty years of progressive administrative, compliance, options, trading

More information

Craig G. Fischer Atlantic Financial Services, Inc. 920 Providence Rd. Suite 201 Towson, MD 21286 3/30/2011

Craig G. Fischer Atlantic Financial Services, Inc. 920 Providence Rd. Suite 201 Towson, MD 21286 3/30/2011 Craig G. Fischer Atlantic Financial Services, Inc. 920 Providence Rd. Suite 201 Towson, MD 21286 3/30/2011 This brochure provides information concerning the services and business practices of Atlantic

More information

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel Part 2A of Form ADV The Brochure 2700 Post Oak Blvd., Suite 1200 Houston, TX 77056 (713) 621-1155 www.ahcinvest.com Updated:

More information

Separately Managed Accounts Programs ACCESS SM Managed Accounts Consulting (MAC)

Separately Managed Accounts Programs ACCESS SM Managed Accounts Consulting (MAC) ab Discretionary Programs UBS Managed Portfolio Program Portfolio Management Program Separately Managed Accounts Programs ACCESS SM Managed Accounts Consulting (MAC) Unified Accounts Program UBS Strategic

More information

Please complete and sign this Application, along with any required supplemental forms identified through this application process.

Please complete and sign this Application, along with any required supplemental forms identified through this application process. Retail Brokerage Account Application About this Application This is a. Please read it carefully, as you will select products and services, tell us how you want to communicate with us, and agree to certain

More information

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now At Cleary Gull, we think the best way to find the right investment advisor is to focus on the four Ps: people, philosophy, process

More information

t1ll j I f7 07 FEB -6 PM 1:40

t1ll j I f7 07 FEB -6 PM 1:40 Metropolitan life Insurance Company 501 Boylston Street, Boston, MA 02116-3700 Tel (617) 578-2289 Fax (617) 578-5547 I f7 aleland@metlife.com t1ll j r :. rmr ^. Alan C. Leland, Jr. c Vice President MetLife

More information

Deerfield Financial Advisors, Inc. Date of Brochure: March 2013

Deerfield Financial Advisors, Inc. Date of Brochure: March 2013 Form ADV Part 2A Firm Brochure Item 1 Cover Page 8440 Woodfield Crossing, #360 Indianapolis, IN 46240 www.deerfieldfa.com Date of Brochure: March 2013 This brochure provides information about the qualifications

More information

Account Opening Disclosures

Account Opening Disclosures Account Opening Disclosures Arbitration of Disputes Your agreement contains a pre-dispute arbitration clause. By signing an arbitration agreement the parties agree as follows: a) All parties to this agreement

More information

New Account Application Advisor Class and Service Class

New Account Application Advisor Class and Service Class New Account Application Advisor Class and Service Class PNC Advantage Institutional Treasury Money Market Fund IMPORTANT INFORMATION PLEASE READ Please complete the investment selection and account information

More information

Financial Planning Services

Financial Planning Services UBS Financial Services Inc. SEC File Number 801-7163 1000 Harbor Boulevard March 31, 2015 Weehawken, NJ 07086 (201)352-3000 http://financialservicesinc.ubs.com Financial Planning Services This brochure

More information

am a Registered Investment Advisor that is held to a Fiduciary Standard by Law. Being registered does not imply a certain level of skill or training.

am a Registered Investment Advisor that is held to a Fiduciary Standard by Law. Being registered does not imply a certain level of skill or training. Form ADV Part 2A Brochure Cover Page Resource Management LLC 41-973 Laumilo St Waimanalo, HI 96795 Phone:(808)429-8123 Email: ron@resourcem.com Web: www.resourcem.com am a Registered Investment Advisor

More information

AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US

AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US AN INTRODUCTION TO PACIFIC LIFE THE VALUES THAT DEFINE US PEOPLE ACCOUNTABILITY CUSTOMER FOCUS INTEGRITY FINANCIAL STRENGTH INNOVATION COMMUNITY 2013 FINANCIAL SUMMARY Pacific Mutual Holding Company DOLLARS

More information

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT JAMES KIRBY ACCOUNTANCY CORPORATION JAMES KIRBY ACCOUNTANCY CORPORATION Registered Investment advisor 2601 Saturn Street, Suite 106 Brea, CA 92821 6702 (714) 203

More information

Additional information about Ostrofe Financial Consultants, Inc. is also available on the SEC s website at www.adviserinfo.sec.gov.

Additional information about Ostrofe Financial Consultants, Inc. is also available on the SEC s website at www.adviserinfo.sec.gov. Ostrofe Financial Consultants, Inc. Allen Ostrofe 565 Brunswick Road, Suite 15 Grass Valley, CA 95945 530-273-4425 www.ostrofefinancial.com June 30, 2011 This Brochure provides information about the qualifications

More information

How to Evaluate An Investment Advisor

How to Evaluate An Investment Advisor Key Questions to Ask an Investment Advisor Specially Prepared for Continental Airlines Pilots Nearing Retirement You have built a substantial retirement nest egg over the years. Soon, you can relax and

More information

Custom Wealth Manager Wrap Fee Program Brochure

Custom Wealth Manager Wrap Fee Program Brochure Custom Wealth Manager Wrap Fee Program Brochure March 30, 2016 Lincoln Financial Securities Corporation 1300 South Clinton St., Suite 150 Fort Wayne, IN 46802 (800) 258-3648 www.lfsecurities.com This wrap

More information

9 Questions Every ETF Investor Should Ask Before Investing

9 Questions Every ETF Investor Should Ask Before Investing 9 Questions Every ETF Investor Should Ask Before Investing 1. What is an ETF? 2. What kinds of ETFs are available? 3. How do ETFs differ from other investment products like mutual funds, closed-end funds,

More information

WEALTH MANAGEMENT SOLUTIONS

WEALTH MANAGEMENT SOLUTIONS WEALTH MANAGEMENT SOLUTIONS Manage your assets Protect your wealth Build your legacy Wealth Management Solutions from Raymond James managing your assets protecting your wealth building your legacy Wealth

More information

LPL FINANCIAL FIRM BROCHURE

LPL FINANCIAL FIRM BROCHURE LPL Financial LLC 75 State Street, 24th Floor, Boston, MA 02109 www.lpl.com (617) 423-3644 March 31, 2014 This brochure provides information about the qualifications and business practices of LPL Financial.

More information

Clear Perspectives Financial Planning, LLC Firm Brochure

Clear Perspectives Financial Planning, LLC Firm Brochure Clear Perspectives Financial Planning, LLC Firm Brochure This brochure provides information about the qualifications and business practices of Clear Perspectives Financial Planning, LLC. If you have any

More information

FORM ADV Uniform Application for Investment Adviser Registration Part II - Page 1

FORM ADV Uniform Application for Investment Adviser Registration Part II - Page 1 OMB APPROVAL OMB Number: 3235-0049 February 28, 2011 Expires: Estimated Average burden Hours per response...4.07 Uniform Application for Investment Adviser Registration Part II - Page 1 Name of Investment

More information

ADV Part 2A Brochure As of November 30, 2015

ADV Part 2A Brochure As of November 30, 2015 ADV Part 2A Brochure As of November 30, 2015 Dodds Wealth Management Group Denver Office: 385 Inverness Parkway, Suite 105 Englewood, CO 80112 Colorado Springs Office: 1155 Kelly Johnson Blvd., Suite 130

More information

Learn about alternative investments. Investor education

Learn about alternative investments. Investor education Learn about alternative investments Investor education Special investment instruments may help enhance a portfolio Once the exclusive domain of the ultrawealthy, alternative investments are beginning

More information

Additional information about MG Financial Group also is available on the SEC s website at www.adviserinfo.sec.gov.

Additional information about MG Financial Group also is available on the SEC s website at www.adviserinfo.sec.gov. Item 1 Cover Page McCarthy Grittinger Financial Group, LLC 125 South 84 th Street, Suite 130 Milwaukee, WI 53214 (414) 475-1369 www.mgfin.com This brochure provides information about the qualifications

More information

TD Private Client Wealth LLC. 444 Madison Avenue, 11 th Floor New York, NY 10022. Main Phone Number: 1-800-800-2535. www.tdbank.com.

TD Private Client Wealth LLC. 444 Madison Avenue, 11 th Floor New York, NY 10022. Main Phone Number: 1-800-800-2535. www.tdbank.com. TD Private Client Wealth LLC 444 Madison Avenue, 11 th Floor New York, NY 10022 Main Phone Number: 1-800-800-2535 www.tdbank.com January 29, 2016 Form ADV Part 2A Financial Planning Services Brochure This

More information

ADV Form 271. JA Glynn & Co. ADV Part II, Privacy and Proxy Policies As of 07/28/2009

ADV Form 271. JA Glynn & Co. ADV Part II, Privacy and Proxy Policies As of 07/28/2009 ADV Form 271 JA Glynn & Co. ADV Part II, Privacy and Proxy Policies As of 07/28/2009 FORM ADV Part II - Page 1 Uniform Application for Investment Adviser Registration OMB APPROVAL OMB Number: 3235-0049

More information

International Research & Asset Management

International Research & Asset Management International Research & Asset Management 2301 Cedar Springs, Ste. 150 Dallas, TX 75201 214-754-0770 www.intlresearch.com Form ADV Part II A January 1, 2011 This Brochure provides information about the

More information

ProEquities, Inc. (doing business as Investment Advisors) 2801 U.S. Highway 280 South Birmingham, Alabama 35223 800-288-3035 www.proequities.

ProEquities, Inc. (doing business as Investment Advisors) 2801 U.S. Highway 280 South Birmingham, Alabama 35223 800-288-3035 www.proequities. ProEquities, Inc. (doing business as Investment Advisors) 2801 U.S. Highway 280 South Birmingham, Alabama 35223 800-288-3035 www.proequities.com Wrap Fee Program Brochure For Wrap Fee Programs offered

More information

Berthel Fisher & Company Financial Services, Inc. 701 Tama St., Bldg. B Marion, IA 52302 (319) 447-5700 www.berthel.com

Berthel Fisher & Company Financial Services, Inc. 701 Tama St., Bldg. B Marion, IA 52302 (319) 447-5700 www.berthel.com Item 1 Cover Page Berthel Fisher & Company Financial Services, Inc. 701 Tama St., Bldg. B Marion, IA 52302 (319) 447-5700 www.berthel.com Date of Brochure: March 31, 2014 This brochure provides information

More information

NATIONAL FINANCIAL SERVICES LLC

NATIONAL FINANCIAL SERVICES LLC NATIONAL FINANCIAL SERVICES LLC A Guide to Your Brokerage Account Portions 2008 FMR LLC. All rights reserved. Reprinted by permission. National Financial Services LLC, Member NYSE, SIPC 491662 06-08 1.862411.100

More information

FORM ADV, PART 2A DISCLOSURE BROCHURE DECEMBER 15, 2014

FORM ADV, PART 2A DISCLOSURE BROCHURE DECEMBER 15, 2014 FORM ADV, PART 2A DISCLOSURE BROCHURE DECEMBER 15, 2014 This brochure provides information about the qualifications and business practices of Raymond James & Associates, Inc. If you have any questions

More information

FLC Capital Advisors 44750 Village Court, Palm Desert, CA 92260 Phone: 760-779-8110 www.flccapital.com. Date of Brochure: April 2015

FLC Capital Advisors 44750 Village Court, Palm Desert, CA 92260 Phone: 760-779-8110 www.flccapital.com. Date of Brochure: April 2015 Item 1 Cover Page 44750 Village Court, Palm Desert, CA 92260 Phone: 760-779-8110 www.flccapital.com Date of Brochure: April 2015 This brochure provides information about the qualifications and business

More information

Item 2 Material Changes

Item 2 Material Changes Item 1 Cover Page Prutzman Wealth Management, LLC dba Prutzman Wealth Management 201 W. Liberty Street, Suite 207 Reno, NV 89501 (800) 865-4202 www.prutzmanwm.com 8/31/2015 This Brochure provides information

More information

Bank. Account Number. Employer. Business Address. E-Mail Address. Liquid Net Worth

Bank. Account Number. Employer. Business Address. E-Mail Address. Liquid Net Worth DOC0105 Ameriprise Financial Services, Inc. 70100 Ameriprise Financial Center Minneapolis, MN 55474 Ameriprise Brokerage Individual Retirement Account (IRA) Application Part 1 Account Owner Details Account

More information

STOCKCROSS F I N A N C I A L S E R V I C E S

STOCKCROSS F I N A N C I A L S E R V I C E S STOCKCROSS F I N A N C I A L S E R V I C E S Thank you for your interest in StockCross Financial Services. StockCross is one of the largest privately owned brokerage firms in the nation. Established in

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

Item 1 Cover Page. Keystone Financial Group, LLC 535 Wellington Way, Ste. 140 Lexington, KY 40503 (859) 317-8316 www.keystoneky.

Item 1 Cover Page. Keystone Financial Group, LLC 535 Wellington Way, Ste. 140 Lexington, KY 40503 (859) 317-8316 www.keystoneky. Item 1 Cover Page Keystone Financial Group, LLC 535 Wellington Way, Ste. 140 Lexington, KY 40503 (859) 317-8316 www.keystoneky.com Date of Disclosure Brochure: July 2015 This disclosure brochure provides

More information

Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts. 8 Risks You Must Overcome

Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts. 8 Risks You Must Overcome The Financial Survey A Professional Process to Overcome the Risks to Financial Success Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts External Risk Inflation Higher

More information

Go Independent. The advantages of working with an independent advisor

Go Independent. The advantages of working with an independent advisor Go Independent. The advantages of working with an independent advisor Your financial future is impacted by decisions you make today. Whom you work with to help plan that future may be the most important

More information

Pillar Wealth Management, LLC. Client Brochure

Pillar Wealth Management, LLC. Client Brochure Pillar Wealth Management, LLC. Client Brochure This brochure provides information about the qualifications and business practices of Pillar Wealth Management, LLC.. If you have any questions about the

More information

Bollinger. Capital Management

Bollinger. Capital Management Bollinger, Inc. 1200 Aviation Blvd. Suite 201 Redondo Beach, CA 90278 310-798-8855 www.bollingercapital.com Investment Advisor Brochure (Form ADV Part 2A) Updated December 2015 Item 1 Cover Page This Brochure

More information

LPL FINANCIAL FIRM BROCHURE

LPL FINANCIAL FIRM BROCHURE LPL Financial LLC 75 State Street, 24th Floor, Boston, MA 02109 www.lpl.com (617) 423-3644 September 21, 2015 This brochure provides information about the qualifications and business practices of LPL Financial.

More information

FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115. Waterloo, IA 50701 Phone: 800-747-9999. Fax: 319-291-8626. www.fsbfs.

FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115. Waterloo, IA 50701 Phone: 800-747-9999. Fax: 319-291-8626. www.fsbfs. FSB Premier Wealth Management, Inc. 131 Tower Park Drive Suite 115 Waterloo, IA 50701 Phone: 800-747-9999 Fax: 319-291-8626 www.fsbfs.com This brochure provides information about the qualification and

More information

Securities America Advisors, Inc. Firm Brochure (Part 2A of Form ADV)

Securities America Advisors, Inc. Firm Brochure (Part 2A of Form ADV) Firm Brochure (Part 2A of Form ADV) This Brochure provides information about the investment advisory services of Securities America Advisors, Inc. If you have any questions about the contents of this brochure,

More information

Manager Select Wrap Fee Brochure

Manager Select Wrap Fee Brochure Manager Select Wrap Manager Fee Select Brochure Wrap Fee Brochure Wealth Management Services Manager Select Wrap Fee Brochure December 1, 2015 This brochure provides information about the qualifications

More information

Important Information about Real Estate Investment Trusts (REITs)

Important Information about Real Estate Investment Trusts (REITs) Robert W. Baird & Co. Incorporated Important Information about Real Estate Investment Trusts (REITs) Baird has prepared this document to help you understand the characteristics and risks associated with

More information

How do I choose the right advisor? Important questions to ask before you hire an investment advisor.

How do I choose the right advisor? Important questions to ask before you hire an investment advisor. How do I choose the right advisor? Important questions to ask before you hire an investment advisor. To choose an advisor you feel comfortable with both personally and professionally it s smart to take

More information

[FORM RANA.2015.7] IMPORTANT: If you check Spousal IRA in Section II please enter spouse s information in Depositor Information.

[FORM RANA.2015.7] IMPORTANT: If you check Spousal IRA in Section II please enter spouse s information in Depositor Information. Individual Retirement Account THE NEW ACCOUNT FORM [FORM RANA.2015.7] SARATOGA ADVANTAGE TRUST USA PATRIOT ACT: To help the government fight the funding of terrorism and money laundering activities, federal

More information

Harmonic Investment Advisors

Harmonic Investment Advisors Item 1 Cover Page Harmonic Investment Advisors 1020 W. Main Ave Ste 480 Boise, ID 83702 P: 208-947-3345 F: 208-947-9039 Website: Harmonicadvisors.com This brochure provides information about the qualifications

More information

Exchange Traded Funds A Brief Introduction

Exchange Traded Funds A Brief Introduction Exchange Traded Funds A Brief Introduction spdrs.com What You Need to Know about ETFs ETF Basics Potential Benefits of ETFs ETFs versus Mutual Funds The Role of ETFs in Your Portfolio Our Next Steps Frequently

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

Pefin Advisors, LLC. 39 West 32 nd Street, New York, NY 10001 Telephone # (917) 261-2416 Fax# (917) 210-3959. www.pefin.com.

Pefin Advisors, LLC. 39 West 32 nd Street, New York, NY 10001 Telephone # (917) 261-2416 Fax# (917) 210-3959. www.pefin.com. FORM ADV Uniform Application for Investment Advisor Registration Part 2A: Investment Advisor Brochure and Brochure Supplements Item 1: Cover Page Pefin Advisors, LLC 39 West 32 nd Street, New York, NY

More information

Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com

Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com ACCESS PLUS Wrap Fee Program Disclosure Document to be presented with ValMark Advisers, Inc. ADV Part 2A Sponsored By: ValMark Advisers, Inc. 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 www.valmarksecurities.com

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet May 2016 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New

More information

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com.

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com. J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com March 31, 2015 This brochure provides information about the qualifications and business

More information

ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information

ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information This information is being provided to you as the Plan Sponsor or other responsible fiduciary of a retirement plan ("Plan") subject

More information

JANNEY MONTGOMERY SCOTT LLC

JANNEY MONTGOMERY SCOTT LLC JANNEY MONTGOMERY SCOTT LLC Managed Account (Wrap Fee) Program Disclosure Brochure 1717 Arch Street Philadelphia, PA 19103 Main (215) 665-6000 Toll-free (800) 526-6397 www.janney.com August 17, 2015 This

More information

Commission* Up to $2,400.99

Commission* Up to $2,400.99 Commissions and Fees unique to Advisor Directed Accounts: Equities* (includes Exchange Traded Funds) Principal Amount Commission* Up to $2,400.99 $50.00 $2,401.00 to $10,000.99 $38.00 0.85% of Principal

More information