Investment Services

C2G Capital Management LLC (C2G) provides several types of advisory services. These services include providing financial planning services, managing clients' investment advisory accounts, and pension consulting to employers sponsoring a retirement plan.

C2G and its Investment Advisor Representative (IAR) provides a variety of financial planning services to individuals, families, and other clients regarding the management of their financial resources, based upon an analysis of each client's financial circumstances, objectives, and needs. Generally, such financial planning services will involve preparing a financial program or rendering a financial consultation for clients. Information provided by the client would normally cover present and anticipated assets and liabilities, savings, investments, insurance, and anticipated retirement or other employee benefits. C2G and its Investment Advisor Representative (IAR) provides a variety of financial planning services to individuals, families, and other clients regarding the management of their financial resources, based upon an analysis of each client's financial circumstances, objectives, and needs. Generally, such financial planning services will involve preparing a financial program or rendering a financial consultation for clients. Information provided by the client would normally cover present and anticipated assets and liabilities, savings, investments, insurance, and anticipated retirement or other employee benefits.

The program developed for or financial consultation rendered to the clients usually includes general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients obtain insurance or revise existing coverage, establish an individual retirement account, increase or decrease funds held in savings accounts, or invest funds in securities. Additionally, the IAR may develop tax or estate plans for its clients or refer clients to an accountant or attorney.

The IAR may also create a cash flow analysis or work with and advise the clients as to the rearrangement of cash flow in order to fund certain long-term objectives, such as buying a house or planning for college or retirement,

In addition to providing financial services, C2G also manages investment advisory accounts for its clients. C2G generally manages a client's investment advisory accounts under one of two programs: the Individually Managed Mutual Fund and Variable Annuity Portfolio ("IMMFVAP”) and the Supervised Total Investment Portfolio ("STIP”).In addition to providing financial services, C2G also manages investment advisory accounts for its clients. C2G generally manages a client's investment advisory accounts under one of two programs: the Individually Managed Mutual Fund and Variable Annuity Portfolio ("IMMFVAP”) and the Supervised Total Investment Portfolio ("STIP”).

The IMMFVAP is a program designed to reposition or reallocate the client's assets based on asset allocation models developed by C2G. The repositioning or reallocation is based on a comprehensive client interview, including a discussion of the client's investment objectives, financial condition, tax situation, time horizon, and risk tolerance. The asset allocation model shall consist of a portfolio of general mutual fund or Exchange Traded Funds (ETF) asset classes or, as applicable, variable annuity sub-accounts.

In the IMMFVAP program, each asset allocation model shall consist of an agreed to percentage mix of fixed income and equity mutual funds or ETF shares or variable annuity sub-account holdings (collectively referred to as "holdings”). The fixed-income allocation may include holdings of the following general types: (a) money market funds, (b) U.S. government securities, (c) foreign or global government debt, (d) U.S. corporate debt, (e) foreign corporate debt, (f) municipal securities, (g) diversified debt, (h) strategic debt, and (i) any other present or future fixed-income mutual fund or ETF. The equity allocation may include equity holdings of the following general equity types: (a) equity income, (b) growth and income, (c) growth, (d) aggressive growth, (e) global, (f) international, (g) emerging markets, (h) special situations, (i) indexed, and (j) any other present or future equity type holding. Some or all of these general holdings may be used in a given client's portfolio depending on the appropriateness of such investments and their availability.

Once the basic asset allocation model is determined, assets may be reallocated based on market conditions which might have an adverse impact on a client's account or upon request from the client.

C2G provides clients who contract for the IMMFVAP with as a minimum quarterly reports indicating the following information: (a) all asset class positions, (b) the specific holdings in each asset class, and (c) the dollar amount invested in each holding through the custodian holding the account.
C2G may provide the IMMFVAP program on a discretionary or non-discretionary basis.

The STIP program is an evaluation and reporting program that C2G offers to a client who usually comes too C2G with an existing portfolio. In the STIP program, C2G creates a detailed inventory of all investment assets held by a client. Such assets may include stocks, bonds, mutual funds, ETFs, securities and commodities options, foreign currency and currency futures, variable annuities, life insurance, deferred compensation plans, qualified and non-qualified employer sponsored plans, real estate, business operations, equipment leases, and cash. Once inventoried, C2G provides detailed research and evaluations as to the relative strengths and financial omissions in the client's overall portfolio. All assets are continually monitored and reported to the client on, at least, a quarterly basis via the custodian holding the account.

Should the client decide to modify his portfolio, C2G will assist with any securities transaction through an unaffiliated broker-dealer and provide a summary of all other asset transfers undertaken by others. Clients are under no obligation to transact any securities transaction through C2G, C2G's owner, or any particular broker-dealer. Upon request, C2G will attempt to arrange introductions to various other financial and business professionals to assist the client with administration of the overall portfolio.
C2G may provide the STIP program on a discretionary basis.

In both programs, reallocation of assets will trigger taxable events, except where such transactions take place inside a tax deferred variable annuity, IRA account, 401(k) or 403(b) account, or other qualified retirement plan or account.

C2G tailors its advisory services to the individual needs of its clients. The IAR will work with C2G's clients to identify their investment goals, objectives, and risk tolerance to create an initial portfolio allocation designed to complement each client's educational, home ownership, retirement funding, and other goals and objectives. Once the appropriate portfolio has been determined, the IAR will review the portfolio quarterly and, if necessary, suggest to the client that the portfolio be rebalanced based upon the client's individual goals, objectives, and needs.C2G tailors its advisory services to the individual needs of its clients. The IAR will work with C2G's clients to identify their investment goals, objectives, and risk tolerance to create an initial portfolio allocation designed to complement each client's educational, home ownership, retirement funding, and other goals and objectives. Once the appropriate portfolio has been determined, the IAR will review the portfolio quarterly and, if necessary, suggest to the client that the portfolio be rebalanced based upon the client's individual goals, objectives, and needs.

Clients may impose reasonable restrictions on the types of investments to be held in their portfolios.