INDIVIDUAL INVESTORS

A discount broker is a stockbroker who carries out buy and sell orders at a reduced commission compared to a full-service broker but provides no investment advice.

Consolidated Financial Investments is a discount broker and provides the tools for individuals who are comfortable making their own investment decisions. As a discount broker, we do not give advice or stock recommendations. Rather, our company makes available a variety of financial products and services to meet your investment needs.

OUR CLEARING FIRM

Consolidated utilizes RBC Clearing & Custody, herein termed RBC C&C, a division of RBC Capital Markets, LLC, as our Clearing Firm.

ACCOUNT PROTECTION

Securities in customer accounts carried by Consolidated are well protected. Account assets will be protected by the Securities Investors Protection Corporation, herein termed SIPC, and an additional policy purchased from Lloyd’s of London. The policy provides an additional $99.5 million per client of coverage for securities above that provided by SIPC, subject to a $400 million aggregate limit. This includes protection for cash of up to $900,000 over the $250,000 provided by SIPC. A document made available by RBC C&C that discusses their protection of client assets is available here. If the SIPC Fund proves insufficient to satisfy customers' claims, SIPC can draw upon a $1 billion line of credit that it has with the SEC, which, in turn borrows from the US Treasury. Neither SIPC protection, nor the protection in excess of that provided by SIPC, covers a decline in the value of a customer’s assets due to market loss. For further information about SIPC, please view the organizations website: www.sipc.org.

REAL-TIME QUOTES

We provide free real-time quotes and late breaking news over the phone. You will always have the ability to speak to a person every time you call.

Our company provides fast and fair executions. Market orders are filled and confirmed while you are on the phone. LIMIT, GOOD -TILL-CANCELED (GTC) or STOP orders are placed at no additional charge. We seek out the most competitive bids and offers when we represent you in the market place.

Printed trade confirmations will be mailed the next business day and you will receive a statement every month if you have activity in your account. Quarterly statements will be sent for accounts with positions but no activity, or only RBC Insured Deposits or Money Market Fund dividends.

TYPES OF ACCOUNTS

Individual
Joint Tenants With Rights Of Survivorship (JTWROS)
Tenants In Common
Transfer on Death (TOD)
Individual or JTWROS
Trust Accounts
Custodial Accounts
-UTMA
-UGMA

Retirement Accounts:
IRAs
    - Traditional
    - Roth
    - Rollover
    - Simplified Employee Pension
  (SEP)
    - Simple
KEOGH
    - Profit Sharing Plan
   - Money Purchase Pension Plan
   - 401 K

529 College Saving Plan
Corporation (C Corp, S Corp or LLC)
Investment Club
Partnership and Limited Partnership
Foundation
Estate
Church
Non-Profit
Corporate Trustee thru TCA TrustCorp America (Fact Sheet click here)

PRODUCTS

At Consolidated Financial Investments, we offer discount brokerage services for a wide range of customers. We offer various types of accounts including Individual, Joint, Retirement, Corporate, Investments Clubs, Trust, Estates, and Transfer On Death (TOD).

RBC Insured Deposits (RBC ID) sweeps cash in client accounts into interest-bearing accounts at multiple Federal Deposit Insurance Corporation (FDIC)-insured banks offering an aggregated total of $2,500,000 in FDIC-insurance coverage ($5 million for accounts held jointly by two or more persons). Balances swept into the RBC ID in excess of $2,500,000 ($5 million for joint accounts) will be automatically swept into the RBC U.S. Government Money Market Fund. All banks participating in the program are pre-screened and regularly reviewed by RBC Group Risk Management using a rigorous set of standards. Although the cash is held at banks, RBC Clearing & Custody handles all of the reporting, making it easy for you to keep track of account balances and interest payments. RBC Insured Deposits terms and conditions are available upon request.

Our customers are able to purchase or sell any stock listed on an exchange or over the counter, bonds (i.e. government, agency, corporate or municipal), mutual funds and options.

Our company provides fast and fair executions. Market orders are filled and confirmed while you are on the phone. LIMIT, GOOD -TILL-CANCELED (GTC) or STOP orders are placed at no additional charge. We seek out the most competitive bids and offers when we represent you in the market place.

Printed trade confirmations will be mailed the next business day and you will receive a statement every month if you have activity in your account. Quarterly statements will be sent for accounts with positions but no activity or only RBC Insured Deposits and/or RBC U.S. Government Money Market Fund.

We provide free real-time quotes and late breaking news over the phone. You will always have the ability to speak to a person every time you call.

OPTIONS

CFII is also highly experienced in utilizing options as a way to potentially reduce risk and increase the rate of return on your portfolio. Options do involve risk and are not suitable for all investors. Therefore, advice from a securities professional is strongly advised. Investors should also be aware of the special risks associated with index options because they are cash-settled. Prior to buying or selling an option, a person must receive a copy of Characteristics and Risks of Standardized Options. Copies of this document are available from CFII, The Options Clearing Corporation (OCC), from any exchange on which options are traded or by clicking on www.optionsclearing.com/about/publications/character-risks.jsp. The documents available discuss exchange-traded options issued by The Options Clearing Corporation and are intended for educational purposes. No statement in the documents should be construed as a recommendation to buy or sell a security or to provide investment advice.

COMMISSIONS

COMMISSIONS AND FEES:

Listed and over the counter stocks:

$35.00 Minimum for up to 300 shares, regardless of price.

If price is less than $7.00 per share:

Add: 3½¢ per share for 301 to 1000 shares

Then add: 3¢ per share for 1001 to 5,099 shares*

If price is $7.00 per share or over:

Add: 5¢ per share for 301 to 1000 shares

Then add: 4¢ per share for 1001 to 5,099 shares*

*Call us for a quote on larger transactions

For commission rates on OTC bonds, including corporate, government or agency issues, mutual funds or unit investment trusts, call us for a quote and/or prospectus.

Options:

If price is under $1.00 1 Contract = $30.00

2 Contracts = $35.00

Each additional Contract = $3.00

If price is $1.00 or over 1 Contract = $30.00

2 Contracts = $35.00

Each additional Contract = $4.50

Mutual Funds:

If a Load Fund Commission determined by fund as stated in the prospectus

If a No Load Fund $35.00

Listed Corporate Bonds:

$35.00 minimum or $15.00 plus $2.50 per bond

For further information about fees, special services and margin rate please call Consolidated Financial Investments, Inc.