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Terms Of Use:
The information throughout
the following noted websites is
provided by Paul M. League and League Financial & Insurance Services ("LFIS"), herein collectively referred
to as LFIS.
ALL INFORMATION AND CONTENT ON THE LFIS
WEBSITES
www.LeagueFinancial.com, ARE SUBJECT TO APPLICABLE STATUTES
AND REGULATIONS, FURNISHED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, OR NON INFRINGEMENT. THE THIRD PARTY MARKS
APPEARING ON THIS SITE ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS. ALL OTHER
MARKS APPEARING ON THE SITE ARE THE PROPERTY OF LFIS.
IN NO EVENT WILL LFIS BE LIABLE TO ANY PARTY
FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE
OF THIS WEBSITE, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT
LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER
DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE
EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Viewing this Website
does not constitute an offer of products or services outside the area where
Paul M. League or League Financial & Insurance Services are registered or
exempt from registration.
The information presented is meant to be as
accurate as possible although we disclaim any implied warranty or
representation about its accuracy, completeness, or appropriateness for any
particular purpose. No part of the information contained in or from any part
of this website may be reproduced, copied, or transmitted in any form or by
any means, electronic or mechanical, including recording, photocopying, or by
any information storage retrieval system, without prior written permission
from LFIS. You assume full responsibility for using the information at this
site, and you understand and agree that LFIS is neither responsible nor liable
for any claim, loss, or damage resulting from its use. The mention of specific
products or services at this site does not constitute or imply a
recommendation or endorsement by LFIS, unless it is explicitly stated.
Disclosures:
Paul M. League is a Registered Representative offering securities
and advisory services through Royal Alliance Associates, Inc., a registered broker-dealer
and registered investment adviser, Member FINRA, SIPC. In this regard, this communication is strictly intended for individuals residing in the
State of CA. No offers may be made or accepted from any resident outside the specific State(s) referenced.
Securities Address: 4701 Teller
Avenue, #101, Newport Beach, CA 92660 · 1.949.261.8630
IMPORTANT CONSUMER INFORMATION:
A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.
For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
I do not offer investment advice on-line, nor do I make any recommendations
with regard to benefits or otherwise, of any type of regulated securities/investment(s),
or of the value of investing in regulated or other securities. Further,
nothing shall be construed herein as an offer to sell, or a solicitation to
buy regulated or other securities. You are NOT my client, and nothing
contained in this website shall be implied or construed as creating a
financial planner/advisor or insurance agent/advisor "client relationship" by
virtue of your access to this site or otherwise. You should not rely on any
information contained herein to plan, invest, or insure your life, or to do
anything with respects to any of your assets. You will only become a "Client"
by mutual consent & mutual written Agreement, and only after you and we
have jointly executed a specific "Client Agreement" (Investor/Advisor
Relationship Disclosure, Suitability Acknowledgment & General Release, and
other such Forms) and thereby retained my services.
In accordance with SEC regulations, overseas
investors may contact us for more information about the products and services
available to them at the following address:
League Financial & Insurance
Services / LeagueFinancial.com
Royal Alliance Associates, Inc.
Mailing Address:
P.O. Box 11800, Palm Desert, CA 92255-1800
(T:
1. 800. 482. LFIS ( 5347 ) ·
F: 1. 310. 861. 8466 )
Securities Address:
4701 Teller Avenue, #101, Newport
Beach, CA 92660
(T: 1.949.261.8630)
Copyright Policy:
The contents of LFIS sites on the Internet are
protected by applicable copyright laws. No permission is granted to copy,
distribute, modify, post or frame any text, graphics, video, audio, software
code, or user interface design or logos.
LFIS prohibits the use of any LFIS copyrights
or trademarks as a link to any LFIS website unless the establishment of such a
link is approved, in writing, or unless the following "Linking Conditions" are
met in full. The following are trademarks of LFIS and cannot be used without
LFIS's express written permission: Paul M. League, LFIS, LEAGUE FINANCIAL &
INSURANCE SERVICES, the LEAGUE FINANCIAL & INSURANCE SERVICES LOGO. ©All rights reserved.
Hyperlinks
Disclaimer:
The
information being provided is strictly as a courtesy.
When you link to any of the websites provided herewith, you are leaving
this site. Paul M. League, League
Financial & Insurance Services and Royal Alliance Associates, Inc. make no
representation as to the completeness or accuracy of information that is
provided at these sites. Nor are
the companies liable for any direct or indirect technical or system issues or
any consequences arising out of your access to or your use of third-party
technologies, sites, information and programs made available through this site.
You
are now leaving the website of LeagueFinancial.com and you assume total
responsibility and risk for your use of the site you are linking to.
Linking Conditions:
We welcome and encourage links to our sites (herein collectively
referred to as "our sites" or "LFIS websites").
You may link only to our sites, provided you
agree to the conditions described below.
Links may not be established to any other pages of the website
without our prior written permission. If you establish a link to the website,
you will be deemed to have agreed to these Linking Conditions.
You may link only to the homepage of our sites. If you link to
our sites, we grant you a limited, non-exclusive, non-transferable,
royalty-free license to use the LFIS service mark and Internet icon(s) or
banners, if available, (the "Licensed Marks") solely for the purpose of
serving as a link from your website to our sites. Except for the limited
license to use the Licensed Marks granted in this paragraph, you may not use
any of our sites trademarks or service marks (the "Marks") for any reason
without our prior written permission.
You acknowledge that all rights to the Marks, the content
appearing on any of our sites, and the look and feel of our sites, belong
exclusively to LFIS and/or its third party licensors. You will not at any
time directly or indirectly contest or infringe these rights.
If you link to our sites, your website:
-
May not create frames around our
sites, or use other techniques that alter the visual presentation of our
sites.
-
May not imply that LFIS is
endorsing you or your products or services.
-
May not imply an affiliation
between your company and LFIS without prior written consent by LFIS.
-
May not misrepresent your
relationship with LFIS or present false or misleading impressions about LFIS
products or services.
-
May not contain materials that
may be interpreted as distasteful or offensive, and should be appropriate
for all age groups.
-
LFIS shall have no
responsibility or liability for any content appearing on your website.
-
LFIS – at any time, in its sole
discretion – may immediately terminate your license or grant to use the
Licensed Marks and your right to link to our sites, with or without cause.
If LFIS exercises this right, you must immediately remove all links to the
website and cease using the Licensed Marks.
-
LFIS may amend these Link
Conditions at any time. You agree to abide by these Link Conditions and
other legal terms and conditions on our sites, as amended from time to time.
All terms and conditions related to the use of
our sites will be construed according to the laws of the State of California,
United States of America, without regard to its conflict of law provisions.
By using the website, or our sites, you consent to the exclusive personal
jurisdiction and venue of courts located in the State of California, LA
County, regarding all disputes related thereof.
Professional Designations
Disclosure:
The credentials or
designations, whether service marks, trade marks, copyrights, or other, used or
referenced throughout this site, are the property of the owners or issuers of
those designations, and not LIFS (see following for examples, along with their
respective disclosures).
The QFP [Qualified
Financial Planner] designation, issued by the INTERNATIONAL ASSOCIATION
of QUALIFIED FINANCIAL PLANNERS (IAQFP). The QFP is granted to persons having completed IAQFP
approved education, exam, ethics &
experience criteria in the Financial Planning methodology, including the commitment to the professions highest ethical
and continuing education standards. The QFP agrees to at all time adhere to the IAQFP
- Code of Ethics & Professional Conduct. You may both verify &
locate a QFP by using the QFP Verification Registry located at: www.IAQFP.org/qfp_registry.html.
CFP®, CERTIFIED
FINANCIAL PLANNER™ and the CFP® flame logo are federally registered services
marks of the CFP Board of Standards, Inc.
Investment Disclosures:
GENERAL DISCLAIMER
Material discussed on this program is meant for general
illustration and/or informational purpose only. Although the information has
been gathered from sources believed to be reliable, please note that individual
situations can vary. Therefore, the information should be relied upon when
coordinated with individual professional advice. Discussions of past
performance do not imply guarantee or assurances of future results.
Neither the information presented nor any opinion expressed
constitutes a presentation by us or a solicitation for the purchase or sale of
any specific security.
Mutual
fund shares and variable insurance contracts are not deposits or obligations
of, or guaranteed by, any depository institution. Insurance contracts and
shares are not insured by the FDIC, the Federal Reserve Board, or any other
agency, and are subject to investment risks, including the possible loss
of principal amount invested.
Prospectus Offering: For
more complete information on any Mutual Fund or Variable Annuity registered in
your state, including charges and expenses, offered by any companies represented
by us or listed herein, please request and refer to a free prospectus for the fund, variable annuity or variable
life plan you are interested in, or email us (Paul@LeagueFinancial.com)
or call us (1-800-482-5347)
to obtain one. Please read it carefully before you invest.
An
investment in a money market fund is not insured or guaranteed by the Federal
Deposit Insurance Corporation or any other government agency. Although
a money market fund seeks to preserve the value of your investment at $1.00
per share, it is possible to lose money by investing in a money market
fund.
An
investment in Mutual Funds or Mutual Fund Company Trusts may involve potential
risks. Such investments may be subject to interest rate, credit, prepayment,
or call risks especially if such Trust is not held to Maturity.
Foreign
investments involve greater risks than US investments. Performance is closely
tied to economic, political, and environmental conditions.
Financial
Products Disclosure:
Effective July 1,
2001, the State of California enacted Assembly Bill 2107, requiring the
following disclosure for all those persons 65 years of age and older
contemplating the purchase of either life insurance or annuity contracts:
In the process of
evaluating the purchase of any life insurance or annuity contract, you should
understand that the sale or liquidation of any stock, bond, IRA, certificate of
deposit, mutual fund, annuity or other asset to fund the purchase of one or more
of these products may have tax consequences, early withdrawal penalties or other
cost or penalties as a result of the sale or liquidation. Prior to
purchasing the new life insurance or annuity contract, you may want to obtain
independent legal or financial advice before selling or liquidating any assets.
Client
Privacy & Other Disclosures:
One World Financial Center
200 Liberty Street
New York, NY 10281
800.821.5100
PRIVACY NOTICE REGARDING CLIENT
PRIVACY
Maintaining the trust and confidence of our clients is a high priority. That is
why we want you to understand how we protect your privacy when we collect and
use information about you, and the steps that we take to safeguard that
information. This notice is provided to you on behalf of Royal Alliance
Associates, Inc.
Information We Collect: In connection with providing investment products,
financial advice, or other services, we obtain non-public personal information
about you, including:
Information we receive from you on
account applications, such as your address, date of birth, Social Security
Number, occupation, financial goals, assets and income;
Information about your transactions
with us, our affiliates, or others; and
Information received from credit or
service bureaus or other third parties, such as your credit history or
employment status.
Categories of Information We
Disclose: We may disclose all information that we collect. Royal Alliance
Associates, Inc. and its affiliates do not sell customer lists and will not sell
your name to telemarketers.
Categories of Parties to Whom We Disclose: We will not disclose
information regarding you or your account with us, except under the following
circumstances:
To your authorized Registered
Representative and his or her manager; Royal Alliance Associates, Inc. permits
Registered Representatives and Investment Advisers that terminate their
affiliation with Royal Alliance Associates, Inc. to make copies of their client
files.
To our parent companies, AIG Advisor
Group, Inc. (formerly known as SunAmerica Financial Network, Inc.), and American
International Group, Inc., or their affiliates, to the extent permitted by law;
To entities that perform services
for us or function on our behalf, including financial service providers, such as
a clearing broker-dealer, investment company, or insurance company;
To consumer reporting agencies,
To third parties who perform
services or marketing on our behalf;
To your attorney, trustee or anyone
else who represents you in a fiduciary capacity;
To our attorneys, accountants or
auditors; and
To government entities or other
third parties in response to subpoenas or other legal process as required by law
or to comply with regulatory inquiries.
How We Use Information: Information may be used among the AIG companies
that perform support services for us, such as data processors, technical systems
consultants and programmers, or companies that help us market products and
services to you for a number of purposes, such as:
To protect your accounts from
unauthorized access or identity theft;
To process your requests such as
securities purchases and sales;
To establish or maintain an account
with an unaffiliated third party, such as a clearing broker-dealer providing
services to you and/or Royal Alliance Associates, Inc.;
To service your accounts, such as by
issuing checks and account statements;
To comply with Federal, State, and
Self-Regulatory Organization requirements;
To keep you informed about financial
services of interest to you.
Our Security Policy: We
restrict access to nonpublic personal information about you to those individuals
who need to know that information to provide products or services to you and
perform their respective duties. We maintain physical, electronic, and
procedural security measures to safeguard confidential client information.
Closed or Inactive
Accounts: If you decide to close your account(s) or become an inactive
customer, our Privacy Policy will continue to apply to you.
Complaint Notification: Please direct complaints to: Royal Alliance
Associates, Inc., Attn: Legal Department, 733 Third Avenue, New York, NY 10017.
Changes to This Privacy Policy: If we make any substantial changes in the
way we use or disseminate confidential information, we will notify you. If you
have any questions concerning this Privacy Policy, please write to: Royal
Alliance Associates, Inc., Attn: Legal Department, 733 Third Avenue, New York,
NY 10017.
ROYAL ALLIANCE ASSOCIATES, INC.’S BUSINESS CONTINUITY PLAN DISCLOSURE
Royal Alliance Associates, Inc. maintains a business continuity plan and
generally intends to continue business in the event of a significant business
disruption. For more information regarding Royal Alliance Associates, Inc.'s
business continuity plan and the Firm’s emergency contact information, please
visit our Web site at
www.royalalliance.com or contact your Representative.
ROYAL ALLIANCE ASSOCIATES, INC.’S REVENUE SHARING DISCLOSURE
Royal Alliance Associates,
Inc. (Royal) maintains revenue sharing arrangements with certain mutual funds,
insurance companies, direct participation programs (DPPs), real estate
investment trusts (REITs), 529 plan providers, and third party money managers.
These sponsors have greater access to our representatives to provide training
and other educational presentations and product information so that they can
serve investors better. Please visit our Web site at
www.royalalliance.com to see a list of sponsors who
participate in these revenue sharing arrangements.
In addition to the customary sales
charges, the sponsors make payments to Royal to participate in the program. For
mutual funds, Royal receives a payment of up to 0.25 percent (25 basis points)
on all sales of mutual fund shares (the “Gross Sales Payment”). Alternatively,
Royal may receive from certain mutual funds a flat fee that does not exceed the
Gross Sales Payment. Royal may also receive an additional payment, paid
quarterly, of up to 0.11 percent (eleven basis points) per year of the assets
under management held at Royal. For variable annuities, Royal receives a Gross
Sales Payment of up to 0.25 percent (25 basis points). In addition, Royal may
also receive an additional payment, paid quarterly, of up to 0.1 percent (10
basis points) per year of the assets under management. For variable universal
life insurance, Royal receives an annual flat fee payment ($33,333.33 for
Platinum sponsors and $25,000 for Gold sponsors) and a payment of 5 percent of
the applicable first year target premiums. For fixed annuities, Royal receives a
Gross Sales Payment of up to 0.15 percent (15 basis points). For DPPs and REITs,
AIGFA receives a Gross Sales Payment of up to 2 percent. For 529 plans, Royal
receives a Gross Sales Payment of up to 0.125 percent (12.5 basis points). In
addition, Royal may also receive an additional payment, paid quarterly, of up to
0.1 percent (10 basis points) per year of the assets under management. For third
party money managers, Royal may receive up to 0.20 percent (20 basis points) per
year of the assets under management or up to 20 percent of management fees
earned on behalf of registered representatives of Royal. In addition, Royal may
also receive a flat fee of up to $100,000.
For specific information about
payments from the sponsors, please see our website at
www.royalalliance.com.
Registered representatives of Royal
do not receive additional compensation from Royal in connection with sales of
the sponsors’ products as opposed to other mutual fund families, insurance
companies, DPP sponsors, REIT sponsors or third party money managers. In
connection with sales of the sponsors’ mutual funds, however, Royal often
absorbs the nominal “ticket charge,” which is normally borne by your
representative (up to $18 per transaction).
Because of these revenue
sharing arrangements, representatives may prefer recommending products offered
by a sponsor over other mutual funds, variable products, DPPs, REITs or third
party money managers available through Royal. You should feel free to ask your
representative how he or she will be compensated for any transaction involving a
sponsor’s products.
This information was
updated on May 31, 2006 (posted herein 10-6-06 with prior timely distribution to
all securities clients of record by Mr. League). Royal will update information
regarding sponsors who participate in revenue sharing arrangements with Royal on
its website on a regular basis. You can access this updated information, and our
Disclosure Document For Mutual Fund and Variable Product, Real Estate Investment
Trust, Direct Participation Program and Third Party Money Manager Investors at
www.royalalliance.com.
_____
©Copyright
by Paul M. League, League Financial & Insurance Services, LeagueFinancial.com, "our sites", collectively
referred to throughout as LFIS.
All rights reserved.
No part of this site may be reproduced, recorded, transmitted or
distributed in any form or by any means without the express prior, written consent, of
the Principal of LFIS; namely, Mr. Paul M. League.
(0507288A/2106/10606/112907/122807)
Contact Us
Today! Phone: 1.800.482.5347 /
www.LeagueFinancial.com
/ Info@LeagueFinancial.com
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