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Our
Associates are Registered Representatives
with Investors Capital Corporation., headquartered
in Lynnfield, Massachusetts. Investors Capital
Corporation is one of the nation's leading
independent broker-dealers and offers a wide-range
of products and services to meet the needs
of our clients. The firm is a member of both
the Financial Industry Regulatory Authority, Inc.
(FINRA) and Securities Investor Protection
Corporation (SIPC).
Investors Capital Corporation provides traditional
products, including unit investment trusts,
common and preferred stock, municipal and
corporate bonds, U.S. Treasuries and other
governmental obligations, and mutual funds
from over 400 fund families. For clients seeking
tax deferral of investment earnings, we offer
a variety of variable life insurance and variable
annuity products from the industry's leading
insurance carriers.
Fund assets can be held directly with a mutual
fund company or in a variety of brokerage
and cash management accounts, including retirement
accounts. For cash deposits, the accounts
offer a choice of both taxable and tax-free
money marekt funds. Security transactions
are cleared through Pershing, a division of
Donaldson, Lufkin & Jenrette Securities
Corporation. Clients can have on-line access
to brokerage account information with NetExchange
View, through the "Account Access" section
of this site.
Account information for many of the mutual
fund, variable annuity, and variable life
insurance carriers' families we represent
can be accessed through the "Account Access"
section of this site.
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INSURANCE
PRODUCTS
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ADVANCED FINANCIAL
GROUP has
developed relationships with a number
of the insurance industries leading
carriers to provide our clients with
the most innovative and competitive
life, health, disability, long term
care, special risk and annuity products
available. Included among these carriers
are:
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Pacific
Life
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Jefferson
Pilot
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Banner
Life
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Manulife
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CNA/Valley
Forge
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MONY
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Investors
Life
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MetLife
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First
Colony Life
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Guardian
Life
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Empire
Life
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Phoenix
Home Life
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GE
Capital Assurance
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ING/Reliastar
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General
American
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Security-Connecticut
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Aviva
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USG
Annuity & Life
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UNUM
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John
Hancock
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FINANCIAL
CONSULTING
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Our
Associates are dedicated to building
close and lasting financial counseling
relationships with each client. Today,
when choices are abundant, decisions
are more complex than ever. Individuals
are faced with having to make more
and more crucial, informed decisions
about benefit plans, retirement options,
insurance coverages, asset management,
education planning, estate planning,
savings and investments. When combined
with uncertain economic conditions,
tax law changes, fluctuating markets,
and the multitude of products and
services available today, it is little
wonder that people seek professional
help in the search for financial security.
Our planning process begins with
a comprehensive review of a client's
current financial situation. Prior
to the initial planning meeting, the
client is asked to gather information
on all existing assets and liabilities
including employee benefit programs,
retirement plans, all insurance policies,
Wills and Trusts, tax returns, and
any other relevant financial information
or docutments. During the initial
meeting, that information is reviewed
in detail and planning objectives,
investment risk tolerance, and priorities
are established. Areas most often
included in the planning process are
investment and retirement planning,
education funding options, estate
and survivor income planning, income
tax planning, and risk management.
A comprehensive plan is then prepared
to meet the established objectives
and priorities. From our work, individuals,
regardless of income level or net
worth, learn to make more informed
decisions about their financial life.
After the plan is implemented, periodic
reviews are then conducted to make
certain the plan keeps up with the
client's needs and objectives as they
change as well as changes in areas
such as tax law, employee benefit
programs, and economic conditions.
ADVANCED FINANCIAL GROUP possesses all of the necessary
resources and administrative capabilities
to provide ongoing support to our
clients. Associates are personally
involved with each client from the
initial planning stages to annual
reviews. At the corporate level, our
experienced staff and state-of-the-art
hardware/software systems will deliver
the quality support you want, need
and deserve. ADVANCED FINANCIAL
GROUP also has access to
all legal, accounting and compliance
services that may be required by our
clients, or we can coordinate our
work with a client's current advisors.
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