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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

JUNE 15, 2018

 

 

 

 

 

 

 

 

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.

 

Inmanaging client assets, Future Benefits specializes in analyzing outside moneymanagers and no-load mutual funds – with a focus on independence, transparencyand minimizing transaction costs. We manage investment managers on behalf ofour clients, structuring entire portfolios to meet specific income and growthobjectives.

 

Sinceits establishment, Future Benefits has steadily increased assets undermanagement. Today, we manage more than $675 million in assets (as of the dateon the cover of this Brochure), ranging from corporate retirement plans toindividual investment plans and church/nonprofit endowments. All of theseassets are managed on a non-discretionary basis.

 

Meetingclient objectives is always our primary goal. The managing principals at FutureBenefits are active managers, analysts and advisors – not active traders –we donot incur significant trading costs. As a result, once initial positions areestablished, our transaction costs are minimal. Weare independent 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.

 

Whenconstructing a portfolio, we back-test all chosen funds to see how they reactas a group in different market cycles. A particular manager and fund may be topperformers – but how do they complement your portfolio?  

 

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

 

 

 

FEES AND COMPENSATION

Whenacting as a registered investment advisor, Future Benefits’ sole source ofcompensation is through an annual asset management fee payable by the clientthrough the investment account or by a direct bill. Fees are charged as apercentage of assets. The fee is negotiable. For example, the fee may be lowerfor fixed income portfolios or due to the size of the account. We earn nocommission on trades of any kind, nor do we have any soft dollar arrangementswith any party or receive any additional compensation from any mutual fundcompanies. In addition to Future Benefits’ advisory fee, each investmentcompany (Mutual Fund) in which client’s funds are invested, charges its ownasset management fee.  

Forindividual clients, there are no custodian or third party fees other than theFuture Benefits fee and the Mutual Fund asset management fee.

 

Withregard to Retirement plans, we seek to maximize platform revenue sharing toreduce hard dollar costs and control fees. In this capacity, we work asco-fiduciaries. For Retirement Plans, the trustees and the participants areprovided with a fee disclosure under the rules of the Department of Labor. Thisfee disclosure encompasses all the charges to the Plan, including our fee,mutual fund charges, custodial fees and third party administrator fees.

 

Insome instances, the principals of the firm may act as registeredrepresentatives in 403(b), 401(k) and individual plans. This occurs when“fee-based asset management” is not appropriate or possible. In these cases,Future Benefits receives compensation through its broker-dealer, TriadAdvisors, LLC (“Triad Advisors”). 

 

Additionalinformation on fees is provided when the firm prepares a preliminary proposalfor a prospective client or when an active client renews an agreement. Ofcourse, Future Benefits principals are available to review fees at any othertime. Agreements may be terminated at any time by either Future Benefits or theclient, 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-BASED FEES ANDSIDE-BY-SIDE MANAGEMENT

 

FutureBenefits does not accept performance-based fees.

 

 

 

TYPES OF CLIENTS

 

FutureBenefits manages and provides investment advisory services for:

•Corporate retirement plans: pensions and profit-sharing

•401(k) plans

•Trust accounts

•IRAs

•Individual and family investment plans

•Endowments

•Nonprofit organizations: 403(b) plans

 

 

 

METHODS OF ANALYSIS, INVESTMENTSTRATEGIES AND RISK OF LOSS

 

Thecornerstone to our approach is our commitment to mutual fund research, which weundertake using state-of-the-art software, old-fashioned printed reports, anddecades of personal, hands-on experience and expertise in asset management. Wetake great pride in getting behind the scenes and past the marketing claims toidentify long-term, consistent, predictable performance from our fund managers.We do not pick what’s hot at the moment. We only select no-load mutual funds. Tohelp manage risk, we allocate equity to both growth and value disciplines, inlarge, medium and small capitalization stocks, and in domestic andinternational funds. What don’t we do? We don’t buy speculative or illiquidinvestments. 

 

FutureBenefits looks to position accounts with the best fund managers at the mostreasonable cost to our clients – with a premium placed on transparency. Werecognize that investment expenses have a direct impact on your rate of return,and we work diligently to control those expenses. Furthermore, we aren’t obligatedto do business with any fund or fund managers. 

 

Risk of Loss: There is risk ofloss in our long-term approach to investing in no-load mutual funds. The mutualfund companies invest in stock and/or bonds which involve the risk of loss thatclients should be prepared to bear. All of our investments can lose value andcertain asset class mutual funds that we select may have poor returns for anextended period. A focus on long-term returns could cause us to ignore or beless concerned with near-term economic or market events. Also, the mutual fundmanagers that we chose may underperform their benchmarks, resulting in a worsereturn than investing in a single index fund.

 

 

DISCIPLINARY INFORMATION

 

NeitherFuture Benefits nor any of its employees has had any civil or criminal actionsbrought against them.

 

NeitherFuture Benefits nor any of its employees has had any administrative proceedingsbefore the SEC, any other federal regulatory agency, any state regulatoryagency, or any foreign financial regulatory authority.

 

NeitherFuture Benefits nor any of its employees has had any proceedings before aself-regulatory organization.

 

OTHER FINANCIAL INDUSTRY ACTIVITIESAND AFFILIATIONS

 

FutureBenefits is not involved in financial industry activities or affiliations thatare material to its business.

 

 

CODE OF ETHICS, PARTICIPATION ORINTEREST IN CLENT TRANSACTIONS AND PERSONAL TRADING

 

FutureBenefits has adopted a written Code of Ethics in compliance with SEC rule204A-1. The code sets forth standards of conduct and requires compliance withfederal securities laws. Our code also addresses personal trading and requiresour personnel to report their personal securities holdings and transactions tothe Chief Compliance Officer of the firm. The Chief Compliance Officer alsomonitors the personal trading of all employees and all clients daily to ensurethere are no conflicts. We will provide a copy of our Code of Ethics to anyclient or prospective client upon request.

 

NeitherFuture Benefits nor any of its employees, recommends to clients, or buys orsells for client accounts, securities in which we have a direct or indirectmaterial financial interest.

 

 

BROKERAGE PRACTICES

 

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

·       FutureBenefits currently uses Triad Advisors, LLC as its broker-dealer. Allsecurities licenses are held through Triad Advisors, LLC. Triad Advisors, LLC islocated at 5185 Peachtree Parkway, Suite 280, Norcross, Georgia. FutureBenefits is not affiliated with Triad Advisors.  

 

·       FutureBenefits also maintains an institutional relationship with Schwab. Schwabneither supervises nor takes responsibility for the firm’s activities.

 

·       FutureBenefits, as a matter of policy and practice, prohibits any agency crosstransactions.

 

·       FutureBenefits also seeks to obtain the best execution for client transactions. 

 

·       FutureBenefits does not engage in any principal transactions.

 

·       Becauseof the nature of our business (mostly mutual funds), Future Benefits does notaggregate client trades.

 

 

REVIEW OF ACCOUNTS

FutureBenefits’ principals go to great lengths to ensure that all client accounts areregularly under review. In doing so, we evaluate each client’s overalltolerance for risk, monthly income needs (if any), current and future equityneeds, asset allocation guidelines, worst-case scenarios, what they need tomeet investment goals, and how to get there in the most effective and efficientway possible.

 

Monthlystatements of client accounts are provided by Schwab, the custodian of clientassets managed by Future Benefits. In addition, detailed quarterly accountreviews are undertaken by one of Future Benefits’ managing principals, withwritten and/or electronic performance reports provided to our clients on aquarterly, semi-annual or annual basis. We also provide reporting supportassociated with tax preparation and audits. 

 

Retirementaccounts (401(k) or 403(b)) at other custodians (Nationwide, Empower, MassMutual, Paychex or John Hancock) receive quarterly reports directly from thecustodian. Future Benefits conducts quarterly meetings at all employers withretirement accounts to review the performance, to make changes to funds and to enrollnew participants.

 

 

CLIENT REFERRALS AND OTHERCOMPENSATION

 

FutureBenefits does not pay for referrals received, nor does it receive compensationfor any referrals given. 

 

FutureBenefits receives no other compensation except the investment advisory feenoted above under “Fees and Compensation”.

 

FutureBenefits has a professional relationship with Charles Schwab Institutional(Custodian). There is no direct link between Future Benefits’ relationship andthe investment advice it gives to clients. Future Benefits does receive someeconomic benefits through its participation with Charles Schwab Institutional. Wereceive an economic benefit from Schwab in the form of the support products andservices it makes available to Future Benefits and other independent investmentadvisors. Specifically, Schwab provides assistance to Future Benefits forresearch and reporting related products and tools provided by Morningstar andPortfolio Center. These expenditures are paid directly by Schwab. Theseproducts and tools assist Future Benefits in managing Client accounts includingaccounts not maintained at Schwab. Future Benefits does not “pay up” for thesebenefits – in other words these benefits to Future Benefits do not result inany higher fees/costs related to our Clients across the board. The availabilityto Future Benefits of Schwab’s products and services is not based on us givingparticular investment advice, such as buying particular securities for ourClients. As a part of its fiduciary duties to Clients, Future Benefitsendeavors at all times to put the interests of its Clients first and thiseconomic benefit does not conflict with those duties.

 

 

CUSTODY

 

FutureBenefits does not have physical custody of client assets or provide custodialservices. All client assets are in custody of those custodians noted above.Clients receive statements from the applicable custodian at least quarterly.

 

 

 

 

INVESTMENT DISCRETION

 

Notapplicable as all assets managed on a nondiscretionary basis.

 

 

VOTING CLIENT SECURITIES

 

FutureBenefits does not vote proxy statements on behalf of advisory clients. Allproxy ballots will be sent directly to clients and not Future Benefits. Clientsthat wish to speak with us about advice on how to vote may contact us at thenumber listed on the cover of this brochure.

 

 

 

 

FINANCIAL INFORMATION

 

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, LLC in Norcross, GA. Hissecurities licenses are held through Triad Advisors, LLC. 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. Grenham does not have any applications pendingto register 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, LLC in Norcross, GA. His securities licenses are held through TriadAdvisors, LLC. Future Benefits, Inc. also maintains an institutionalrelationship with Charles Schwab & Co., Inc. Charles Schwab & Co., Inc.neither supervises nor takes responsibility for the Firm’s activities. Mr.Hiten does not have any applications pending to register with any otherbroker-dealer or other investment firm. Mr. Hiten does not receive anycommissions, bonuses or other compensation based on the sale of securities orother investment products. Additionally, Mr. Hiten does not engage in any otherbusiness that provides a substantial source of his income or consumes asubstantial portion of 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, LLC in Norcross, GA. His securities licensesare held through Triad Advisors, LLC. 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, LLC in Norcross, GA.His securities licenses are held through Triad Advisors, LLC. Future Benefits,Inc. also maintains an institutional relationship with Charles Schwab &Co., Inc. Charles Schwab & Co., Inc. neither supervises nor takesresponsibility for the Firm’s activities. Mr. Williams does not have anyapplications pending to register with any other broker-dealer or otherinvestment firm. Mr. Williams does not receive any commissions, bonuses orother compensation based on the sale of securities or other investmentproducts. Additionally, Mr. Williams 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

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, LLC
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.