A Message from KMS Financial Services, Inc.
Perhaps the most important thing to know about KMS is that we are independent and privately owned. This allows us to focus on long-term objectives rather than short-term profits. We generate none of our own securities or insurance products, preferring to select investment opportunities on the basis of their ability to meet our clients’ needs.
KMS emphasizes compliance with the rule and guidelines of several regulatory bodies, including the National Association of Securities Dealers, the Securities & Exchange Commission, and the 50 states. These regulations exist for your protection, and we give them our highest priority.
Our investment philosophy emphasizes two key concepts: broad diversification as your hedge against an uncertain future, and adequate liquidity to handle the unexpected. Of course, no investment offers absolute guarantees, but with the acceptance of investment risk comes the opportunity for greater income and capital growth.
Securities and Brokerage ServicesKMS Financial Services, Inc. is a full-service broker-dealer based in Seattle Washington. Since 1971 we have been providing access to publicly traded stocks, bonds and options, plus a wide range of mutual funds, limited partnerships, unit investment trusts, variable life and annuity products, as well as cash management services.
Your accounts may be maintained directly with an investment sponsor (a mutual fund or insurance company) or in a brokerage account through our securities clearing relationship with the Pershing Division of Donaldson, Lufkin and Jenrette Securities Corporation, a Credit Suisse First Boston company. Pershing has been providing comprehensive brokerage execution, clearance, data processing and financial products and services since 1939. Pershing currently works with more than 600 financial organizations worldwide.
Advisory ServicesYour KMS Representative enjoys considerable flexibility in structuring the way they work with clients. In some cases, services are offered on a fee basis as an alternative to traditional commission-based compensation. Investment advisory and financial planning services may include personal consultation and preparation of a written financial plan as well as ongoing asset allocation and portfolio management. Your KMS Representative may perform these services personally or help you select and monitor “third-party” portfolio managers. Different programs can accommodate a wide range of account sizes and investment objectives. Your long-term financial goals and levels of risk tolerance are the key to defining an appropriate approach.
You and Your KMS RepresentativeOne key to successful investing is to deal with a conscientious, qualified professional. Your KMS Representative is such an individual and part of a team of advisors that also may include your attorney and accountant. They can help guide your decisions on deploying resources to address important financial goals.
Visit the website at: www.kms.com or www.kmsfinancial.com