Because regulations do not permit our advisors to place trades in individual equities we offer a referral program for the purchase and sale of stocks and bonds. This referral service would be of interest to investors who want to consolidate all of their holdings into one place, find the price of their current full service broker too high for the value they receive, or are waiting for the right time to convert their stocks and bonds into mutual funds. We have access to two separate participating firms that will allow these transactions to take place for investors with this need. These participating firms will provide advice as requested by the investor and statements would provide consolidated record-keeping for an investor’s entire portfolio including these equities and bonds.