Secure File Exchange
   
  Skip Navigation Links  
 
 
Complete Form ADV Part 2A/2B

FUTURE BENEFITS,INC.

1781Highland Avenue, Suite 205

Cheshire,Connecticut 06410

Office:(800) 272-4745

 Fax: (203) 272-2459

www.futurebenefits.com

 

 

 

 

FORM ADV PART 2A/2B BROCHURE

AUGUST 17, 2016

 

 

 

 

 

 

 

 

This brochure providesinformation about the qualifications and business practices of Future Benefits,Inc. If you have any questions about the contents of this brochure, pleasecontact us at 800-272-4745 or e-mail to: hiten@futurebenefits.com.The information in this brochure has not been approved or verified by theUnited States Securities and Exchange Commission (“SEC”) or any statesecurities authority.

Additional informationabout Future Benefits, Inc. is also available on the SEC’s website atwww.advisorinfo.sec.gov.

 

  .

Material Changes

 

 

·      Not Applicable

 


 

Table of Contents

 

Advisory Business …………………………………………………………………………  4

Fees and Compensation ……………………………………………………………….  5

Performance-Based Fees and Side-by-Side Managements ……………  6

Types of Clients …………………………………………………………………………….  6

Methods of Analysis, Investment Strategies and Risk of Loss ……….  6

Disciplinary Information ……………………………………………………………….  7

Other Financial Industry Activities and Affiliations ……………………….  7

Code of Ethics, Participation or Interest in Client Transactions

And Personal Trading ……………………………………………………………………  8

Brokerage Practices ………………………………………………………………………  8

Review of Accounts ………………………………………………………………………. 10

Client Referrals and Other Compensation …………………………………….. 10

Custody ………………………………………………………………………………………… 11

Investment Discretion …………………………………………………………………… 11

Voting Client Securities …………………………………………………………………. 12

Financial Information ……………………………………………………………………. 12

Form ADV Part 2B Brochure Supplement ……………………………………… 13

 

ADVISORYBUSINESS

 

Founded in1987, Future Benefits, Inc. (“Future Benefits”) is a fee-based SEC-registeredinvestment advisory firm specializing in asset management.

 

In managing client assets, Future Benefitsspecializes in analyzing outside money managers and no-load mutual funds – witha focus on independence, transparency and minimizing transaction costs. Wemanage investment managers on behalf of our clients, structuring entireportfolios to meet specific income and growth objectives.

 

Since its establishment, Future Benefits hassteadily increased assets under management. Today, we manage more than $500million in assets (as of the date on the cover of this Brochure), ranging fromcorporate retirement plans to individual investment plans and church/nonprofitendowments. All of these assets are managed on a non-discretionary basis.

 

Meeting client objectives is always our primarygoal. The managing principals at Future Benefits are active managers, analystsand advisors – not active traders –we do not incur significant trading costs.As a result, once initial positions are established, our transaction costs areminimal. We areindependent investment advisors without special interests in particularinvestment products. We find the right managers and/or funds for individualclients based on proven criteria and a detailed screening process.

 

When constructing a portfolio, we back-test allchosen funds to see how they react as a group in different market cycles. Aparticular manager and fund may be top performers – but how do they complementyour portfolio?  

 

FutureBenefits provides investment advisory and management services. Our expertise,experience and dedication to personal service are our only products.

 

 

 

FEES AND COMPENSATION

When acting as a registered investment advisor,Future Benefits’ sole source of compensation is through an annual assetmanagement fee payable by the client through the investment account or by adirect bill. Fees are charged as a percentage of assets. The fee is negotiable.For example, the fee may be lower for fixed income portfolios or due to thesize of the account. We earn no commission on trades of any kind, nor do wehave any soft dollar arrangements with any party or receive any additionalcompensation from any mutual fund companies. In addition to Future Benefits’advisory fee, each investment company (Mutual Fund) in which client’s funds areinvested, charges its own asset management fee.  

For individual clients, there are no custodian orthird party fees other than the Future Benefits fee and the Mutual Fund assetmanagement fee.

 

With regard to Retirement plans, we seek tomaximize platform revenue sharing to reduce hard dollar costs and control fees.In this capacity, we work as co-fiduciaries. For Retirement Plans, the trusteesand the participants are provided with a fee disclosure under the rules of theDepartment of Labor. This fee disclosure encompasses all the charges to thePlan, including our fee, mutual fund charges, custodial fees and third partyadministrator fees.

 

In some instances, the principals of the firm mayact as registered representatives in 403(b), 401(k) and individual plans. Thisoccurs when “fee-based asset management” is not appropriate or possible. Inthese cases, Future Benefits receives compensation through its broker-dealer,Triad Advisors, Inc. (“Triad Advisors”). 

 

Additional information on fees is provided whenthe firm prepares a preliminary proposal for a prospective client or when anactive client renews an agreement. Of course, Future Benefits principals areavailable to review fees at any other time. Agreements may be terminated at anytime by either Future Benefits or the client, with a minimum of 30 days notice.

 

Future Benefits provides reviews and recommendations inthe following related areas: pension design and administration, taxationissues, benefits planning, financial consulting and retirement planning. Thefee charged is based on an hourly rate or a flat fee.

 

Future Benefits sells securities and insurance-relatedproducts when a client desires assistance in these areas. Less than 2% of thefirm’s investment advisory business involves product sales and is considered tobe incidental.

 

 

 

 

PERFORMANCE-BASEDFEES AND SIDE-BY-SIDE MANAGEMENT

 

Future Benefits does not accept performance-basedfees.

 

 

 

TYPESOF CLIENTS

 

Future Benefitsmanages and provides investment advisory services for:

• Corporate retirement plans: pensions andprofit-sharing

• 401(k) plans

• Trust accounts

• IRAs

• Individual and family investment plans

• Endowments

• Nonprofit organizations: 403(b) plans

 

 

 

METHODSOF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS

 

The cornerstone to our approach is our commitmentto mutual fund research, which we undertake using state-of-the-art software,old-fashioned printed reports, and decades of personal, hands-on experience andexpertise in asset management. We take great pride in getting behind the scenesand past the marketing claims to identify long-term, consistent, predictableperformance from our fund managers. We do not pick what’s hot at the moment. Weonly select no-load mutual funds. To help manage risk, we allocate equity toboth growth and value disciplines, in large, medium and small capitalizationstocks, and in domestic and international funds. What don’t we do? We don’t buyspeculative or illiquid investments. 

 

Future Benefits looks to position accounts withthe best fund managers at the most reasonable cost to our clients – with apremium placed on transparency. We recognize that investment expenses have adirect impact on your rate of return, and we work diligently to control thoseexpenses. Furthermore, we aren’t obligated to do business with any fund or fundmanagers. 

 

Risk ofLoss: There is risk of loss in our long-term approachto investing in no-load mutual funds. The mutual fund companies invest in stockand/or bonds which involve the risk of loss that clients should be prepared tobear. All of our investments can lose value and certain asset class mutualfunds that we select may have poor returns for an extended period. A focus onlong-term returns could cause us to ignore or be less concerned with near-termeconomic or market events. Also, the mutual fund managers that we chose mayunderperform their benchmarks, resulting in a worse return than investing in asingle index fund.

 

 

DISCIPLINARYINFORMATION

 

Neither Future Benefits nor any of its employeeshas had any civil or criminal actions brought against them.

 

Neither Future Benefits nor any of its employeeshas had any administrative proceedings before the SEC, any other federalregulatory agency, any state regulatory agency, or any foreign financialregulatory authority.

 

Neither Future Benefits nor any of its employeeshas had any proceedings before a self-regulatory organization.

 

OTHERFINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS

 

Future Benefits is not involved in financialindustry activities or affiliations that are material to its business.

 

 

CODE OFETHICS, PARTICIPATION OR INTEREST IN CLENT TRANSACTIONS AND PERSONAL TRADING

 

Future Benefits has adopted a written Code ofEthics in compliance with SEC rule 204A-1. The code sets forth standards ofconduct and requires compliance with federal securities laws. Our code alsoaddresses personal trading and requires our personnel to report their personalsecurities holdings and transactions to the Chief Compliance Officer of thefirm. The Chief Compliance Officer also monitors the personal trading of allemployees and all clients daily to ensure there are no conflicts. We willprovide a copy of our Code of Ethics to any client or prospective client uponrequest.

 

Neither Future Benefits nor any of its employees,recommends to clients, or buys or sells for client accounts, securities inwhich we have a direct or indirect material financial interest.

 

 

BROKERAGEPRACTICES

 

FOR ACCOUNTS ATSCHWAB:  All accounts at Charles Schwaband Company, Inc. (“Schwab”) receive monthly brokerage statements directly fromSchwab. Future Benefits provides clients with periodic account reviews. Clientdeposits are sent to Schwab directly by the clients, through account transfersfrom other custodians (new accounts), by sending a check payable to CharlesSchwab (check or wire) or indirectly by sending a check payable to Schwab whichwe overnight to Schwab. Checks received by Future Benefits must be payable toSchwab or they are immediately returned to the client. All clients have accessto their Schwab accounts on-line and can enter trades or transfer fundson-line. Most individual clients have Future Benefits trade on their behalf.Retirement Plans send contributions weekly, bi-weekly or monthly. The tradesfor contributions to Schwab are done through a trade template prepared byFuture Benefits which is sent electronically to Schwab. All trades arereconciled daily and any errors are corrected daily.

FOR ACCOUNTS ATNATIONWIDE, EMPOWER, MASS MUTUAL, PAYCHEX, AND JOHN HANCOCK:

Allaccounts at these custodians are retirement accounts (either 401(k) or 403(b)Plans). Participants in these plans receive quarterly statements directly fromthe custodian. Also, clients deal directly with the custodian for trades orchanges to their fund allocations. Occasionally, a participant would ratherdeal with Future Benefits rather than the custodian directly. In thoseinstances, any direction from the client must be in writing (either by e-mailor fax). For participants without the ability to fax or send an e-mail, aFuture Benefits representative may engage in a three-way phone conversationwith the participant and the custodian. Funding for the plans is sent directlyfrom the plan sponsor / employer to the custodian (either electronically or bycheck). Future Benefits acts only as an advisor to the plans and to theparticipants.

ADDITIONALBROKERAGE PRACTICES:

·       Future Benefits does not accept advisory clients’ instructions fordirecting a client’s brokerage transactions to a particular broker-dealer

·       Future Benefits currently uses Triad Advisors,Inc. as its broker-dealer. All securities licenses are held through TriadAdvisors. Triad Advisors, Inc. is located at 5185 Peachtree Parkway, Suite 280,Norcross, Georgia. Future Benefits is not affiliated with Triad Advisors.  

 

·       Future Benefits also maintains an institutionalrelationship with Schwab. Schwab neither supervises nor takes responsibilityfor the firm’s activities.

 

·       Future Benefits, as a matter of policy andpractice, prohibits any agency cross transactions.

 

·       Future Benefits also seeks to obtain the bestexecution for client transactions. 

 

·       Future Benefits does not engage in anyprincipal transactions.

 

·       Because of the nature of our business (mostlymutual funds), Future Benefits does not aggregate client trades.

 

 

REVIEW OF ACCOUNTS

Future Benefits’ principals go to great lengthsto ensure that all client accounts are regularly under review. In doing so, weevaluate each client’s overall tolerance for risk, monthly income needs (ifany), current and future equity needs, asset allocation guidelines, worst-casescenarios, what they need to meet investment goals, and how to get there in themost effective and efficient way possible.

 

Monthly statements of client accounts areprovided by Schwab, the custodian of client assets managed by Future Benefits.In addition, detailed quarterly account reviews are undertaken by one of FutureBenefits’ managing principals, with written and/or electronic performancereports provided to our clients on a quarterly, semi-annual or annual basis. Wealso provide reporting support associated with tax preparation and audits. 

 

Retirement accounts (401(k) or 403(b)) at othercustodians (Nationwide, Empower, Mass Mutual, Paychex or John Hancock) receivequarterly reports directly from the custodian. Future Benefits conductsquarterly meetings at all employers with retirement accounts to review theperformance, to make changes to funds and to enroll new participants.

 

 

CLIENTREFERRALS AND OTHER COMPENSATION

 

Future Benefits does not pay for referralsreceived, nor does it receive compensation for any referrals given. 

 

Future Benefits receives no other compensationexcept the investment advisory fee noted above under “Fees and Compensation”.

 

Future Benefits has a professional relationshipwith Charles Schwab Institutional (Custodian). There is no direct link betweenFuture Benefits’ relationship and the investment advice it gives to clients. FutureBenefits does receive some economic benefits through its participation withCharles Schwab Institutional. We receive an economic benefit from Schwab in theform of the support products and services it makes available to Future Benefitsand other independent investment advisors. Specifically, Schwab providesassistance to Future Benefits for research and reporting related products andtools provided by Morningstar and PortfolioCenter. These expenditures are paiddirectly by Schwab. These products and tools assist Future Benefits in managingClient accounts including accounts not maintained at Schwab. Future Benefitsdoes not “pay up” for these benefits – in other words these benefits to FutureBenefits do not result in any higher fees/costs related to our Clients acrossthe board. The availability to Future Benefits of Schwab’s products andservices is not based on us giving particular investment advice, such as buyingparticular securities for our Clients. As a part of its fiduciary duties toClients, Future Benefits endeavors at all times to put the interests of itsClients first and this economic benefit does not conflict with those duties.

 

 

CUSTODY

 

Future Benefits does not have physical custody ofclient assets or provide custodial services. All client assets are in custodyof those custodians noted above. Clients receive statements from the applicablecustodian at least quarterly.

 

 

 

 

INVESTMENTDISCRETION

 

Not applicable as all assets managed on anondiscretionary basis.

 

 

VOTINGCLIENT SECURITIES

 

Future Benefits does not vote proxy statements onbehalf of advisory clients. All proxy ballots will be sent directly to clientsand not Future Benefits. Clients that wish to speak with us about advice on howto vote may contact us at the number listed on the cover of this brochure.

 

 

 

 

FINANCIALINFORMATION

 

FutureBenefits does not have any debt today, or for the past 20 years. We do not planon borrowing any money in the future. The firm holds excess cash in case of anemergency.

We do notrequire prepayment of fees. All fees are paid in arrears.

There areno financial conditions that are likely to impair our ability to meet ourcontractual commitments to clients.

FutureBenefits has not been the subject of any bankruptcy petitions.

 

 

 

 

 

 

 

 

 FUTUREBENEFITS, INC.

1781Highland Avenue, Suite 205

Cheshire,Connecticut 06410

Office:(800) 272-4745

Fax:(203) 272-2459

www.futurebenefits.com

 

 

 

 

 

 

 

 

 

 

FORMADV, PART 2B

BrochureSupplement: Kevin W. Grenham

 

 

 

 

 

 

 

 

 

       This brochuresupplement provides information about Future Benefits, Inc. that supplementsthe Future Benefits, Inc. Brochure. Additional information about FutureBenefits, Inc. is available on the SEC’s website at www.advisorinfor.sec.gov.


   Item 2:                Educational Background andBusiness Experience

Kevin W. Grenham was born in 1960.Mr. Grenham graduated from Bentley College in 1982 with a Bachelor of Sciencein Economics and Finance. He also earned his MBA in Finance from the Universityof Hartford in 1986.

He is a FINRA Series 24 RegisteredPrincipal and a FINRA Series 7 Registered Representative.

Prior to founding Future Benefits,Inc. in 1987 along with Thomas R. Hiten, Mr. Grenham held positions withSkandia America Reinsurance Group and Grenham Underwriters, Inc.

 

Item 3:               Disciplinary Information

Kevin W. Grenham has had no legalor disciplinary events material to a client’s or prospective client evaluationof him, Future Benefits, Inc. has no material facts to disclose.

 

Item 4:                Other Business Activities

Kevin W. Grenham is not engaged inany investment-related businesses outside of Future Benefits, Inc. Mr. Grenhamis a registered representative of Triad Advisors, Inc. in Norcross, GA. Hissecurities licenses are held through Triad Advisors. Future Benefits, Inc. alsomaintains an institutional relationship with Charles Schwab & Co., Inc.Charles Schwab & Co., Inc. neither supervises nor takes responsibility forthe Firm’s activities. Mr. Grenham does not have any applications pending toregister with any other broker-dealer or other investment firm. Mr. Grenhamdoes not receive any commissions, bonuses or other compensation based on thesale of securities or other investment products. Additionally, Mr. Grenham doesnot engage in any other business that provides a substantial source of hisincome or consumes a substantial portion of his time.

 

Item 5:                Additional Compensation

Kevin W. Grenham does not receiveany additional compensation beyond his through Future Benefits, Inc.

 

Item 6:                Supervision

Kevin W. Grenham is the Presidentof Future Benefits, Inc. His professional activities are monitored andsupervised by the Chief Compliance Officer, Thomas R. Hiten. Mr. Hiten can bereached at 800-272-4745. His email address is hiten@futurebenefits.com.

 

 

FUTUREBENEFITS, INC.

1781Highland Avenue, Suite 205

Cheshire,Connecticut 06410

Office:(800) 272-4745

Fax:(203) 272-2459

www.futurebenefits.com

 

 

 

 

 

FORMADV, PART 2B

BrochureSupplement: Thomas R. Hiten

 

 

 

 

 

 

 

 

 

This brochure supplement provides information about FutureBenefits, Inc. that supplements the Future Benefits, Inc. Brochure. Additionalinformation about Future Benefits, Inc. is available on the SEC’s website at www.advisorinfor.sec.gov.

 

Item 2:               Educational Background and Business Experience

 

Thomas R. Hiten was born in 1950.Mr. Hiten graduated from New York University in 1972 with a Bachelor of Sciencein Accounting. He also earned his MBA in Taxation from the NYU Graduate Schoolof Business in 1974.

He is a licensed CPA inConnecticut and New York, a FINRA Series 24 Registered Principal and a FINRASeries 7 Registered Representative, and an Investment Adviser CertifiedCompliance Professional (IACCP).

Prior to founding Future Benefits,Inc. in 1987 along with Kevin W. Grenham, Mr. Hiten was a tax manager withPepsico, Xerox and Deloitte Haskins & Sells.

CPA – Certified Public Accountantis issued by individual states and a national association (AICPA).

Prerequisites/Experience Required:Most states require at least a bachelor’s degree. Over 40 states require a 150hour semester education requirement for aspiring CPA’s.

Education Requirements: Moststates require a bachelor’s degree, 24 semester units in accounting-relatedsubjects, 24 semester units in business-related subjects, 150 semester units ofeducation, passing an ethics course and one year of general accountingexperience supervised by a CPA with an active license.

Examination Type: Uniform CPAExam.

IACCP – Investment AdviserCertified compliance Professional – The Investment Adviser Association (IAA)cosponsors the National Regulatory Services’ (NRS) Investment AdviserCompliance Certificate Program. The program leads to a professional designationof Investment Adviser Certified Compliance Professional (IACCP). This Programwas established by NRS in 2004 and is designed to advance investment advisercompliance as a profession. The program that leads to the IACCP certificationinvolves education (20 2-hour courses to be completed within 18 months), workexperience (2 years), certification examination, ethics requirements, andcontinuing education to maintain the IACCP designation.

 

 

Item 3:               Disciplinary Information

Thomas R. Hiten has had no legalor disciplinary events material to a client’s or prospective client evaluationof him, Future Benefits, Inc. has no material facts to disclose.

 

 

Item 4:                Other Business Activities

Thomas R. Hiten is not engaged inany investment-related businesses outside of Future Benefits, Inc.  Mr. Hiten is a registered representative of TriadAdvisors, Inc. in Norcross, GA. His securities licenses are held through TriadAdvisors. Future Benefits, Inc. also maintains an institutional relationshipwith Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. neithersupervises nor takes responsibility for the Firm’s activities. Mr. Hiten doesnot have any applications pending to register with any other broker-dealer orother investment firm. Mr. Hiten does not receive any commissions, bonuses orother compensation based on the sale of securities or other investmentproducts. Additionally, Mr. Hiten does not engage in any other business thatprovides a substantial source of his income or consumes a substantial portionof his time.

 

 

Item 5:                Additional Compensation

Thomas R. Hiten does not receiveany additional compensation beyond his through Future Benefits, Inc.

 

Item 6:                Supervision

Thomas R. Hiten is the ChiefCompliance Officer of Future Benefits, Inc. His professional activities aremonitored and supervised by the President, Kevin W. Grenham. Mr. Grenham can bereached at 800-272-4745. His email address is grenham@futurebenefits.com.

 

 

 

 

 

 

 

FUTUREBENEFITS, INC.

1781Highland Avenue, Suite 205

Cheshire,Connecticut 06410

Office:(800) 272-4745

Fax:(203) 272-2459

www.futurebenefits.com

 

 

 

 

 

 

 

 

 

FORMADV, PART 2B

BrochureSupplement: William C. Doran, Jr.

 

 

 

 

 

 

 

 

 

 

 

       This brochuresupplement provides information about Future Benefits, Inc. that supplementsthe Future Benefits, Inc. Brochure. Additional information about FutureBenefits, Inc. is available on the SEC’s website at www.advisorinfor.sec.gov.

   Item 2:                Educational Background andBusiness Experience

William C. Doran, Jr. was born in1960. Mr. Doran graduated from Southern Vermont College in 1983 with a Bachelorof Science in Business Management.

He is a FINRA Series 6 RegisteredRepresentative.

Prior to joining Future Benefits,Inc. in 1989, Mr. Doran worked as an account executive with ITT/Hartford.

 

 

Item 3:               Disciplinary Information

William C. Doran, Jr. has had nolegal or disciplinary events material to a client’s or prospective clientevaluation of him, Future Benefits, Inc. has no material facts to disclose.

 

 

 

Item 4:                Other Business Activities

William C. Doran, Jr. is notengaged in any investment-related businesses outside of Future Benefits,Inc.  Mr. Doran is a registeredrepresentative of Triad Advisors, Inc. in Norcross, GA. His securities licensesare held through Triad Advisors. Future Benefits, Inc. also maintains aninstitutional relationship with Charles Schwab & Co., Inc. Charles Schwab& Co., Inc. neither supervises nor takes responsibility for the Firm’sactivities. Mr. Doran does not have any applications pending to register withany other broker-dealer or other investment firm. Mr. Doran does not receiveany commissions, bonuses or other compensation based on the sale of securitiesor other investment products. Additionally, Mr. Doran does not engage in anyother business that provides a substantial source of his income or consumes asubstantial portion of his time.

 

 

 

Item 5:                Additional Compensation

William C. Doran, Jr. does notreceive any additional compensation beyond his through Future Benefits, Inc.

 

Item 6:                Supervision

William C. Doran is the Vice Presidentof Future Benefits, Inc. His professional activities are monitored andsupervised by the Chief Compliance Officer, Thomas R. Hiten. Mr. Hiten can bereached at 800-272-4745. His email address is hiten@futurebenefits.com.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FUTUREBENEFITS, INC.

1781Highland Avenue, Suite 205

Cheshire,Connecticut 06410

Office:(800) 272-4745

Fax:(203) 272-2459

www.futurebenefits.com

 

 

 

 

 

 

 

 

FORMADV, PART 2B

BrochureSupplement: Brian D. Williams

 

 

 

 

 

 

 

 

 

 

 

       This brochuresupplement provides information about Future Benefits, Inc. that supplementsthe Future Benefits, Inc. Brochure. Additional information about FutureBenefits, Inc. is available on the SEC’s website at www.advisorinfor.sec.gov.


   Item 2:                Educational Background andBusiness Experience

Brian D. Williams was born in1978. Mr. Williams graduated from Sacred Heart University in 2000 with aBachelor of Science in Business Management.

He is a FINRA Series 7 and Series66 Registered Representative and an Accredited Investment Fiduciary (AIF).

AIF – The AIF Designationcertifies that the recipient has specialized knowledge of fiduciary standardsof care and their application to the investment management process. To receivethe AIF Designation, the individual must meet prerequisite criteria based on acombination of education, relevant industry experience, and/or ongoingprofessional development, complete a training program, successfully pass acomprehensive, closed-book final examination under the supervision of a proctorand agree to abide by the Code of Ethics and Conduct Standards. In order tomaintain the AIF Designation, the individual must annually attest to the Codeof Ethics and Conduct Standards, and accrue and report a minimum of six hoursof continuing education. The Designation is administered by the Center forFiduciary Studies, the standards-setting body of fi360.

Prior to joining Future Benefits,Inc. in 2005, Mr. Williams held positions with Service Source, Inc., FleetBank, MetLife Financial Services and American Express Financial Advisors.

 

Item 3:               Disciplinary Information

Brian D. Williams has had no legalor disciplinary events material to a client’s or prospective client evaluationof him, Future Benefits, Inc. has no material facts to disclose.

 

Item 4:                Other Business Activities

Brian D. Williams is not engagedin any investment-related businesses outside of Future Benefits, Inc. Mr.Williams is a registered representative of Triad Advisors, Inc. in Norcross, GA.His securities licenses are held through Triad Advisors. Future Benefits, Inc.also maintains an institutional relationship with Charles Schwab & Co.,Inc. Charles Schwab & Co., Inc. neither supervises nor takes responsibilityfor the Firm’s activities. Mr. Williams does not have any applications pendingto register with any other broker-dealer or other investment firm. Mr. Williamsdoes not receive any commissions, bonuses or other compensation based on thesale of securities or other investment products. Additionally, Mr. Williamsdoes not engage in any other business that provides a substantial source of hisincome or consumes a substantial portion of his time.

Item 5:                Additional Compensation

Brian D. Williams does not receiveany additional compensation beyond his through Future Benefits, Inc.

 

Item 6:                Supervision

Kevin W. Grenham, President, andThomas R. Hiten, Chief Compliance Officer and Treasurer, are the peopleresponsible for supervising Mr. Williams. Mr. Grenham and Mr. Hiten can bereached at 800-272-4745. Their respective email addresses are grenham@futurebenefits.com and hiten@futurebenefits.com.

 


 
 


Copyright © Future Benefits, Inc. | 1781 Highland Avenue – Suite 205 Cheshire, Connecticut 06410 | Phone: (800) 272-4745 | Fax: (203) 272-2459
Securities offered through Triad Advisors, Inc..
5185 Peachtree Parkway, Suite 280, Norcross, GA 30092. Member FINRA, SIPC

Advisory Services offered through Future Benefits, Inc. Future Benefits is not affiliated with Triad Advisors.