• Commonwealth is an independent, privately-held firm whose business model is structured around servicing independent financial consulting firms like ours. Commonwealth provides the back-office support and unbiased investment product access that allow us to craft the financial plan that is best suited to helping you meet your objectives.

• Commonwealth does not engage in the business practices of banks or investment banks, nor does it make loans to hedge funds or other speculatory investment vehicles. Except for a nominal principal position in investment grade municipal bonds held to facilitate trading in those bonds, Commonwealth does not maintain an inventory of securities for future sale. Commonwealth is not a counterparty in any derivatives transaction, and does not engage in the derivatives market for its own account.

• Commonwealth maintains net capital in excess of that required by its regulator, FINRA; maintains substantial cash assets on its balance sheet; and has access to operating lines of credit that help to ensure its liquidity. Aside from normal accounts payable associated with its ongoing business, Commonwealth does not owe money to any third party.

• Commonwealth holds, or custodies, your assets with National Financial Services LLC, Member NYSE/SIPC (NFS), a Fidelity Investments Company.  Read about:  THE SAFETY OF CUSTOMER ASSETS HELD AT NATIONAL FINANCIAL SERVICES LLC.

•  Both Commonwealth and NFS are members of the Securities Investor Protection Corporation (SIPC), whose primary role is to reimburse investors in the event the broker/dealer holding their assets fails financially. I encourage you to read THIS BROCHURE about SIPC for details on the specific protections offered, or go to www.sipc.org.