|
|
IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT
SUMMIT CAPITAL ADVISORS:
In order to provide you with background information regarding Summit Financial Services, LLC (dba: Summit Capital Advisors, and hereinafter referred to as SCA or Advisor), here are the answers to some questions that you might have.
This statement is in lieu of Form ADV Part II, required by the Securities and Exchange Commission, to be given to all potential clients by investment advisors prior to any contractual agreement.
- What is SCA?
- The Advisor is a financial planning and investment counseling firm registered with the Securities and Exchange Commission as a Registered Investment Advisor. Our IARD/CRD number is 11637.
- What is a Registered Investment Advisor?
- An Investment Advisor is a fiduciary who has a duty of undivided loyalty to his investment advisory clients and must deal fairly and honestly with them. Any person or entity that holds itself out as a Financial Planner must be registered with the Securities and Exchange Commission, or its State of Residency, as an Investment Advisor. A Registered Investment Advisor is a representative of the client. There are no education or experience requirements to become registered with the Commission or State as an Investment Advisor. In order to be registered an advisor must pass certain examinations and be licensed.
- At Summit Capital Advisors, all Financial Planners are required to have Bachelor's degrees and Master's degrees are preferred. In addition, Summit Capital Advisors also requires that every Financial Planner possess the Certified Financial Planner® designation or other educational equivalent, or be currently enrolled in the academic requirement to become a Certified Financial Planner® practitioner. Currently, all Financial Planners hold Master's degrees and the Certified Financial Planner® designation. Lastly, Summit Capital Advisors requires ongoing participation in continuing educational programs made available to financial services professionals.
- What does SCA sell?
- In general, sound financial planning advice regarding taxes, investments, insurance, estate planning, pensions, retirement, and general financial matters.
- Specifically, Summit Capital Advisors) provides financial planning and continuous investment advisory and account management services on a fee-only basis for individuals, businesses, individual retirement accounts, trusts and other entities.
- In designing financial planning and investment plans for clients, Summit Capital Advisors will rely on information supplied by the client pertaining to the client's financial situation, objectives, time horizon and risk tolerance. This information becomes the basis for formulating a strategic asset allocation plan, which the advisor believes best meets the client's long-term stated goals. The advisor may employ computer software packages procured from third parties in an attempt to better assist the client to formulate and communicate his present position and goals.
- The investment plan will contain assets in classes which the advisor believes, based on historical data, have attractive combinations of return, risk, and correlation. Emphasis will be placed on optimizing performance at the portfolio level while controlling risk through broad global diversification, multiple management styles, and Modern Portfolio Theory Techniques.
- Whom do we serve?
- Individuals, families, corporations, small businesses, estates and trusts.
- Who can benefit most by our services?
- Any client who has a financial, tax, or investment problem, or who wishes to plan prudently for their financial future. Furthermore, clients who desire a higher, more sophisticated level of financial or investment planning services than they are receiving from their broker or other advisors may find our programs appealing.
- How much money do you need to start a Financial Planning program?
- How much money do you need to start a Financial Planning program?
Whether a minimum dollar amount is required depends on the needs of the client, and on the Advisory program recommended by the Advisor. We recognize that persons with modest assets have financial problems or needs as well. However, our services are geared towards those individuals and families with at least $300,000 of investable assets, and are either retired or preparing to retire soon. The Advisory accounts we recommend may have minimums ranging from $100,000 to $1,000,000.
- What is a Financial Plan?
- An overall review of your financial situation, taking into account your goals and objectives and focusing on such areas as: income tax planning, asset management, estate planning, risk management, educational planning and retirement. Typically, the Advisor conducts consultations with each client to prepare a "financial plan" based on that individual client's financial status, needs and objectives. This plan may be formal or informal and is used to guide the implementation of the plan.
- How is a plan implemented?
- Implementation may be effected through various advisory programs highlighted below. The client is free to choose how such implementation occurs and will typically rely on the recommendation of Advisor.
- Specifically, the client may implement his or her investment objectives through the following means:
- Client may be given an opportunity to have the Advisor manage the assets for an ongoing fee
(usually a percentage of assets).
- Client may be presented with an opportunity to have Advisor select a SCA approved outside
third-party investment advisor to manage client's assets using investment strategies such as asset allocation, timing, or a combination of such investment strategies, and an ongoing fee (usually a percentage of assets) is assessed.
- The Advisor will contact the client at least quarterly, normally through the rendering of mailed progress reports, and will make written inquiry regarding changes in the client's financial situation and needs or investment objectives. In addition, the representative will request a meeting with the client at least annually to review any changes in the client's financial situation, needs or investment objectives, as well as the performance of the programs managed by the third-party investment advisor. A representative will be available for the client's consultation during normal business hours.
- In all cases, the client receives regular account statements from those companies where investments are held. There are various programs with respect to alternatives (a) and (b) above, and each has its own guidelines as to minimum investment, fees, structure, and reporting. The client is informed of such guidelines and specifics prior to entering into an advisory program.
| c. |
The client and advisor may agree to work on a retainer basis. In this case the services revolve around financial planning issues such as: income tax planning, asset management, estate planning, risk management, educational planning and retirement. When working on a retainer basis, advisor does not actively manage investment accounts. Working on a retainer basis is normally restricted to clients that do not meet investment minimums.
|
- How much do we charge for planning services?
- Although in the vast majority of cases Advisor is fully compensated for planning services by way of fee-based asset management, Advisor may be compensated for planning services by the client on an hourly or pre-determined fixed fee basis. The combination of these fees account for 100% of advisor's revenue. Advisor prepares complete financial plans for a set fee and performs financial consulting work on an hourly basis periodically. The charge for a financial plan typically ranges from $1,000 - $3,000, but may be more or less, and will depend on the circumstances. The client may terminate this agreement at any time and a full refund of any fees paid will be made if contract is terminated within five (5) business days. If client decides to terminate this agreement after five (5) business days, then any fees paid but not earned will be refunded.
- The normal charge for hourly work is $200 per hour with a 1-hour minimum and computed in 15-minute increments thereafter.
- Advisor may also be engaged on a retainer basis for clients who do not meet investment minimums or have special circumstances. Minimum retainer fee is $3,500 annually (billed in quarterly or semi-annual installments).
- Advisor's set fees and hourly charges may be negotiable depending on the client's preferences, services to be performed, and client circumstances.
- If the client elects to have the Advisor implement the plan, an ongoing annual financial planning/retainer fee for such services may be charged. Varied fee schedules exist depending on whether the client elects to have the Advisor manage the investment portfolio, or have the Advisor select a third-party advisor.
- It is typical for Summit Capital Advisors fees to start at 1.75% on accounts less than $100,000 under management and to decline for larger account sizes. Advisor may charge less than the typical fee schedule at its sole discretion, but may never exceed those maximums specified by an advisory program.
- The portfolio size and the nature of the services being provided are the primary determinants of the agreed upon fee to be charged. Fees may be negotiable depending on the circumstances. Although the fees are based on a percentage of assets, they may also represent compensation for other non-asset related management services provided. This may include such services as review of tax return, estate planning analysis, tax planning, periodic review of client objectives and longer range planning concerns. Fees do not include tax preparation.
- Are the fees tax deductible?
- Section 212 of the Internal Revenue Code permits an itemized deduction for tax and/or investment advice, subject to certain restrictions.
- Do we sell financial planning products such as investments and insurance?
- SCA is a fee-only company. The Advisor provides financial planning advice and asset management advice on a fee-paid basis. This relationship encompasses 100% of advisors clients. Certain financial products, however, can be purchased from other registered representatives not affiliated with the Advisor. If these products are purchased by the client, the registered representative/agent of the company the products are purchased from will receive the normal commission. Advisor does not share in such revenue. Thus, there is no conflict between the Advisor's interests and those of the client.
- Does SCA invest in financial products recommended to their clients?
- At times, the principles and affiliated persons of SCA may invest in products recommended to the client. With respect to our personal investment accounts, we make every attempt to trade in such a way as to give every advantage to our clients before our own interests. Such cautions include, but are not limited to, placing personal "buy" and/or "sell" orders after those of our clients. Furthermore the Advisor maintains personal transaction records, strictly enforces all rules and regulations of the Investment Advisors Act of 1940, and does not permit insider trading.
- If you use SCA to develop a Financial Planning Program, are you obligated to purchase the recommended products?
- Absolutely not. In reality, however, if a client agrees with our planning recommendations, they will generally implement their investment objectives through their Advisor. As a fee-only firm Advisor does not sell products such as life insurance or long-term care insurance, though SCA does advise clients regarding these products.
- Do we provide legal services?
- No. The Advisor is a financial counselor and investment advisor and limits itself to financial advice, tax planning and tax preparation.
- Does SCA provide Accounting or Tax Preparation Service?
- Yes. The Advisor is a financial counselor and investment advisor and limits itself to financial advice, tax planning and tax preparation. Accounting and Tax Preparation services are available, to SCA planning and investment clients only, from an in-house Enrolled Agent who is a principal of SCA.
- What types of Securities do we provide advice about?
- Bank deposits, U.S. Government Securities, corporate bonds, commercial paper, municipal securities, equities, mutual funds, unit investment trusts, variable annuities, variable life, limited partnerships, and real estate investment trusts.
- What method of analysis do we use to analyze investments?
- We use a fundamental approach, such as economic conditions, earnings, industry outlook, politics (as it relates to the investment), historical data, price-earnings ratios, dividends, general level of interest rates, company management and tax benefits. We do not use technical analysis or charting. We attempt to select clients' investments to harmonize with their financial objectives.
- Do we guarantee investment performance?
- No.
- What are the principal sources of information we use?
- The Advisor utilizes the general media of domestic, international and governmental newspapers, bulletins, magazines, books, and other publications. Materials prepared by the investment companies and research releases prepared by others, timing services, and other third-parties may also be utilized.
- What type of investment strategies do we generally recommend?
- We generally make long-term recommendations with occasional short-term strategies as the circumstances may indicate. Our investment philosophy focuses on proper diversification and asset allocation over the long haul. Short-term strategies employed may include dollar cost averaging programs, temporary/interim repositioning of assets, and tax-advantaged strategies (e.g. selling short against the box, and security sales to realize losses with subsequent repurchases after 30 days).
- Will Client information be kept confidential?
- Yes. SCA fully embraces the letter and intent of all privacy laws.
- Once a Program is completed, does our relationship end?
- Absolutely not. Working with SCA is a process - not a "one shot" transaction. We offer ongoing service, periodic review, and day-to-day consultation as necessary.
- Does Summit Capital Advisors suggest broker-dealers to clients?
- Yes. Currently, SCA uses Fidelity Investments to custody (hold) client's funds and securities. Advisor will recommend Fidelity. This is based on advisors experience with the custodian and their willingness to handle non-commissionable (no-load) transactions, quality of total services, and cost effectiveness to the client and advisor. Should a client desire a commissioned (transaction based) account Advisor will assist client in that selection.
- Can you tell me more about the Advisory programs offered?
- Summit Advantage Program
- Summit Capital Advisors offers its own Summit Advantage Program (the "Program") to its clients. This program gives full trading and management discretion to Advisor. It is designed as follows:
- Determine the investor's risk profile and investment objectives. Summit Capital Advisors determines the investor's investment objectives, investment time horizon, and risk profile by means of an interview process and the completion of a questionnaire
- Set a relevant asset allocation policy for the investor. The Advisor recommends one of many mutual fund asset allocation models for client to accept and approve for implementation.
- Diversify among asset classes and styles. The investment managers of the underlying mutual funds are selected by Summit Capital Advisors. Summit Capital Advisors utilizes institutional investment management firms. The managers are monitored by Summit Capital Advisors to ensure that their investment styles and performance remain consistent with the objectives of the mutual funds.
- Rebalance the investor's portfolio. Re-balancing maintains the proper allocation to each asset class in the model. Re-balancing occurs when determined to be appropriate by the Advisor. Generally, accounts will be re-balanced if the underlying mutual funds deviate from the prescribed quarterly allocation by greater than a 3-4% variance. For the tax-managed models, the variance is 4-5%.
- Report results. The client is provided with transaction confirmations, monthly statements, quarterly performance reports, and year-end tax reports.
- Fees: The asset-based investment management fees for the program are:
| ASSET MANAGEMENT FEE SCHEDULE |
| Assets Under Management |
Quarterly Fee |
Annual Fee |
| |
First |
|
$100,000 |
0.4375% |
1.75% |
| From |
$100,001 |
To |
$250,000 |
0.4% |
1.60% |
| From |
$250,001 |
To |
$500,000 |
0.375% |
1.50% |
| From |
$500,001 |
To |
$750,000 |
0.35% |
1.40% |
| From |
$750,001 |
To |
$1,000,000 |
0.3% |
1.20% |
| From |
$1,000,001 |
To |
$2,000,000 |
0.25% |
1.00% |
| From |
$2,000,001 |
To |
$3,000,000 |
0.23% |
0.9% |
| From |
$3,000,001 |
To |
$5,000,000 |
0.2% |
0.8% |
| From |
$5,000,001 |
To |
$10,000,000 |
0.15% |
0.6% |
| From |
$10,000,001 |
To |
$20,000,000 |
0.125% |
0.5% |
| From |
$20,000,001 |
To |
Above |
0.113% |
0.45% |
- Fees for the Summit Advantage Program are billed quarterly in advance. Fees are calculated by multiplying one fourth of the indicated annual fee by the total dollar amount of assets under advice at the market close on the last business day of the immediately completed calendar quarter. The management fee for the first billing will be pro-rated for accounts that are placed under management after the beginning of the quarter. If assets are deposited after the inception of a quarter, the fee chargeable with respect to such assets will be prorated based on the number of days during the quarter the assets were held in the account. For valuation purposes the assets will be treated as if they were held in the account as of the end of the quarter. Client will be entitled to a pro rata refund of any pre-paid quarterly fee based upon the number of days remaining in the quarter after termination.
- Although the program maximums are set forth above, most clients will not be charged in excess of 1.5% and never more than the maximum schedule disclosed in the chart above. The average annual fee is approximately 1.23% per year.
- The client will receive monthly statements from Fidelity indicating holdings. Summit Capital Advisors will prepare and provide a quarterly report, indicating market value, cash flows, gains and losses, asset allocation, and performance to the client at no additional charge. Annually, Fidelity will provide the client with a tax report for the account
- Advisor charges an advisory fee. Mutual funds charge an expense ratio to the fund. All expense ratios and fees are disclosed in the prospectuses of the funds. Fidelity acts as the transfer agent and custodian for the clients account. The advisory fee is debited from the client account each quarter by Summit Capital Advisors on behalf of the client and Advisor.
- Separately Managed Account Service
- Advisor has entered into an Investment Management Agreement with the Russell Investment Group (Russell). Russell has agreed to act as the investment advisor and provide investment management services under Russell's Managed Program (the "Program"). Russell will manage and invest client assets in accordance with the investment strategy selected by the investor and the Advisor. The program includes 12 distinct mixes, each offering a combination of US equity managers. The mixes represent specific market segments within domestic equity, bench-marked against Russell indexes. They include choices in large cap, large cap growth, large cap value, small cap and broad market equities. Russell uses multiple styles and/or sub-styles to help manage risk. Based on the investor's objectives, the Advisor recommends the appropriate mix for the account. Each mix includes two to five managers selected and monitored by Russell's team of research analysts. Each manager's stock selections are intended to complement another manager with a different style or sub-style, so as to help dampen the overall volatility of the portfolio.
- There are two types of mixes in this program:
- Diversified Mixes with account minimums ranging from $300,000 to $500,000
- Diversified Plus Mixes with account minimums of $1,000,000
Diversified Plus Mixes include more managers and more diversification.
Management Fee ranges (annual) for each are:
- Wrap Brokerage Account: Account Brokerage expenses will be covered by the program's asset based fee applicable to each Manager Mix. No transaction fees are charged to the client for these accounts.
- Diversified Mixes: 1.15% - 1.30% for minimum accounts (first $500,000) and .80% - 1.00% for accounts over $5,000,000
- b. Diversified Plus Mixes: 1.05% - 1.20% for minimum accounts (first $2,000,000) and .80% - 1.00% for accounts over $5,000,000
- Transaction Brokerage: In addition to the Program Fee listed below, the account will be charged brokerage expenses on a transaction-by-transaction basis at current transaction rates in effect at Fidelity. Transaction rates are detailed in question 25 of this document.
- Diversified Mixes: .95% - 1.00% for minimum accounts (first $500,000) and .70% - .90% for accounts over $5,000,000
- Diversified Plus Mixes: .90% - .95% for minimum accounts (first $2,000,000) and .70% - .90% for accounts over $5,000,000
- Because of the variables involved in managing accounts there is no guarantee that either type of account will result in cost savings over the other.
- Other Important Advisory Program Information
- Clients sign an advisory contract with Advisor and account opening documentation with Fidelity Investments, LLC. Advisor provides their Form ADV (or equivalent) and Fidelity provides a prospectus for the mutual funds utilized in the fee-based account. As custodian, Fidelity provides all reporting functions for the account, and supplies the client with at least a quarterly statement. Fidelity does not act in the capacity of an investment advisor to the client and therefore does not provide a solicitor's agreement, nor their Form ADV Part II. The fee schedule that the Advisor charges for their advisory services in connection with the Summit Advantage Program is also detailed in the Summit Advisory Agreement for client disclosure.
- Advisor may provide advice on other interests in partnerships investing in programs such as: alternative energy programs, equipment leasing, research and development programs, cable television, and fast food franchising.
- Pursuant to IA-1092, the following statement is also made by Advisor: (1) Advisory Associates of Advisor are not associated with life insurance companies. (2) Clients are under no obligation to have Advisor or Advisory Associates implement any suggestions made in a written financial plan. (3) If asked to implement the suggestions of the financial plan, Advisor intends to implement such financial planning, in whole or in part through non-commission products or through referral to an outside vendor. (4) To the extent Advisor or its Advisory Associates do implement the plan through non-commission products, they will be acting in a fiduciary capacity to the client. (5) Clients shall have total freedom to execute securities and/or insurance transactions with any company of their choice.
- What are the potential transaction fees?
- Summit Capital Advisors invests primarily using mutual funds. In implementing portfolios Summit Capital Advisors actively seeks to use funds that have agreements with Fidelity to make their funds available to institutional advisors at Net Asset Value (NAV or load-free) and without a transaction fee. Fidelity has over 3,600 mutual funds that meet this criteria. This strategy may, or may not, cause expenses to be higher than if transaction fees were charged to the client. The average portfolio expense ratio is approximately 1%.
- Generally, Summit Capital Advisors absorbs the cost of transaction/trading fees in the Summit Advantaged managed accounts. Less than 1% of all transactions result in a transaction fee being charged to a client. Exceptions where the client is charged these fees are:
- Fees created by client caused or client directed trading (Ex. Unscheduled withdrawal of funds or client directs Advisor to purchase or sell a security)
- Fees created to implement or repair a portfolio by selling securities transferred into their Fidelity account from another broker-dealer, investment company or custodian
- Deferred sales charges resulting from either of the above
- Fees incurred in Non-managed accounts
- Clients who are in a Separately Managed Account program can choose to have transaction costs included in the management fee or pay transaction fees themselves. Summit Capital Advisors does not pay transaction fees for separately managed accounts..
Custodian Transaction fee: As indicated above less than 1% of client transaction result in the client paying a transaction fee. However, when charged clients should know that amounts are established by Fidelity Investments, not Summit Capital Advisors. The rates charged by Fidelity as of 12/31/2004 are:
Equities
Trades placed electronically via Advisor Channel
|
$17.95
$0.015 |
For the first 1,000 shares plus
Per share for every share over 1,000
|
Accounts with $1M or more in assets will qualify for pricing of $8.00 for the first 3,000 shares, $0.01 per share for every share over 3,000 for electronic trades only.
Manual trades placed via trading desk
|
$0.05
Mutual Funds
Fidelity funds
Non-Fidelity no-transaction fee funds*
Non-Fidelity transaction fee funds |
Per share with $29.95 as the minimum
No transaction fee
No transaction fee
$40.00 flat charge on all Buys and Sell
|
*As of June 30, 2006 more than 4,500 funds are available without paying a transaction fee to Fidelity.
|
Fixed Income
Principal Trades
Municipal Bonds
Government Notes & Bonds
GNMAs and CMOs
Corporate Bonds
Government Order of 20 Bonds or less
Government Auctions Orders (any size)
Government Treasury Bills (any size)
Agent Trades (The majority of fixed-income trades are executed on a principal basis.)
Corporate bonds
Commission per bond
|
Competitive basis
Competitive basis
Competitive basis
Competitive basis
$50.00
$50.00
$50.00
$2.50 per bond with a $40.00 minimum
|
Short-Term Trading Fee
Fidelity, in keeping with current industry practices to preclude "market-timing" using mutual funds, charges a short-term trading fee for trades of No Transaction Fee (NTF) mutual funds held less than 60 days. The following exceptions apply:
- Money market funds
- Fidelity mutual funds
- Funds redeemed through a systematic withdrawal program
- Shares purchased through a periodic purchase program
- Shares purchased through dividend reinvestment
- Certain exempted funds or accounts by Fidelity, including funds that allow short-term trading
The Short-term trading fee is independent from any fee the mutual fund may charge, will be deducted from the sale proceeds, and will be based on the following schedule:
- - 0.50% of the principal amount of the transaction
- - Minimum charge of $30
- - Maximum charge of $200
Fees charged by Fidelity Investments, LLC are subject to change at any time.
- Conflicts of Interest
- SCA uses Fidelity Investments as the custodian for client accounts. Fidelity, in an effort to encourage advisors to use their services offers discounts to advisors for some of their services and on negotiated services offered by third-party vendors. These inducements are common in the industry and virtually every custodian has similar programs with similar offerings. If SCA were to work with another custodian, most of the same "discounted offerings" would also be available. Therefore, while there is the potential for a conflict of interest, the reality is that it is not a significant factor in choosing to work with Fidelity.
- SCA also has a relationship with the Russell Investment Group (Russell) who is headquartered in Tacoma, WA. SCA has entered into an agreement with Russell to be a Russell Advisor. Through this agreement, SCA has access to Russell mutual funds on a no-transaction fee basis. This arrangement serves to add to the over 4,500 no-transaction fee funds already made available by Fidelity. Since Russell funds account for a very minor share of these 4,500+ funds, the potential conflict is considered minimal. In all cases, the needs of the client determine how their funds are invested.
- Summit Capital Advisors works with a number of professionals that we also refer clients to for their needs. Summit Capital Advisors does not receive a referral fee from any of these referrals. When Summit Capital Advisors and its employees use these professionals for their own needs they may receive courtesy discounts from these professionals. These discounts primarily come from the long-term personal use of these professionals and not from the referrals given. Further there is no agreement (written or verbal) between Summit Capital Advisors and any professional to discount their services to Summit Capital Advisors or its clients.
- Who are the Advisory Associates of Summit Capital Advisors and what is their background?
The principals of Summit Capital Advisors are:
James H. Suits, Jr. /dob 12/05/50
Education:
Katella High School, Anaheim, CA / years attended 1968 -1969 / graduated 1969 / degree =NA
University of Maryland / College Park, MD / years attended 1973 - 1985 / graduated 1985 / degree = BS Business Management
Troy State University, Troy, A L / years attended 1988 - 1989 / graduated 1989 / degree = MS Public Admin.
Business:
Summit Financial Services, LLC (Parent company of Summit Capital Advisors) / Tacoma, WA / A Financial Planning and Investment Firm / President / 01/97 - Present
Suits Tax & Financial Services / Lakewood, WA / Financial Planning / General Partner / 08/95 - 12/97
Summit Brokerage Services, Inc. / Lakewood, WA / Broker-Dealer / Registered Principal / 11/96 - 12/02
Intervest International Equities Corp. / Lakewood, WA / Broker-Dealer / Registered Representative / 08/92 - 11/96
U.S. Air Force / Wash, DC / Military / Airman / 09/69 - 07/92
Kathy A. Harrison-Suits /dob 07/13/54
Education:
Southern Wayne School / Dudley, NC / years attended 1969 - 1972 / graduated 1972 / degree = NA
University of Maryland / College Park, MD / years attended 1974 - 1993 / graduated 1993 / BS Business Management
Business:
Summit Financial Services LLC, (parent company of Summit Capital Advisors) / Tacoma, WA / A Financial Planning and Investment Firm / Vice President / 01/97 - Present
Suits Tax & Financial Services / Lakewood, WA / Financial Planning / General Partner / 08/95 - 12/97
Summit Brokerage Services, Inc. / Lakewood, WA / Broker-Dealer / Registered Representative / 11/96 - Present
U.S. Air Force / Wash, DC / Military / Airman / 11/79 - 02/96
- How do you get started with Summit Capital Advisors?
Contact us at (253) 589-1401, or e-mail from the link below, tell us your concerns or need, and we'll let you know how and if we can be of assistance to you.
E-mail: Solutions@Summitcapitaladvisors.net
Investment advice offered through Summit Capital Advisors,
A registered investment advisor.
Securities offered through Summit Brokerage Services, Inc.
Member NASD/SIPC
- T O P -
|
|
|
