About USA Financial Securities®

Member FINRA / SIPC
Registered Investment Advisor

Home of the 100% Platforms...

Independent BD & RIA Services
100% Registered Rep Platform
100% Investment Advisor Rep Platform
No Haircut on Fixed Annuities & Insurance
No Haircut on Equity Index Annuities

Independent BD & RIA Services (Member FINRA / SIPC & Registered Investment Advisor)

In the 1990’s, as traditional financial services philosophies and segmentation blurred dramatically, it became evident that it was nearly impossible to function successfully without a broker dealer and securities licensed support staff. However, we also realized that the historical broker dealer business model was archaic and quickly becoming obsolete. For all intents and purposes, traditional broker dealers have eroded to nothing more than conduits specifically designed to process business, track commissions and oversee compliance… While these are important functions, BD’s had become vanilla, as all the value-added had disappeared and/or become commoditized. Understanding this reality allowed us to design a broker dealer that filled a valuable niche for top-Advisors (including top-notch technology) while embracing the benefits of co-existence with the other uniquely positioned USA FINANCIAL® entities.

100% Registered Rep Payout Platform

Based upon the description above, it makes perfect sense to turn the business model on-its-ear and offer a 100% Registered Representative Payout Platform in addition to our Traditional Payout Platform. For the approximate monthly cost of a part-time employee, a Rep can collect a full 100% payout on the gross Broker Dealer concessions, generally resulting in a substantial net revenue increase for the Rep. Essentially, a Rep can reap-the-rewards of receiving the full Broker Dealer concessions, without any of the headaches associated with operating a stand-alone operation, and still enjoy all of the benefits of being affiliated with USA FINANCIAL SECURITIES™.

100% Investment Advisor Rep Payout Platform

Similar to the 100% Registered Rep Payout Platform described above… For an economical monthly cost, Advisors charging fees for assets-under-management and/or charging fees for their time & expertise, can collect a full 100% payout on the fees charged, generally resulting in a substantial net revenue increase for the Advisor. Essentially, an Advisor can reap-the-rewards of receiving the full Registered Investment Advisor (RIA) fee as an Investment Advisor Representative (IAR), without any of the headaches associated with operating a stand-alone operation, and still enjoy all of the benefits of being affiliated with USA FINANCIAL SECURITIES™ and working off of our ADV.

No Haircut on Fixed Annuities & Insurance

Based upon current regulation, fixed annuities and insurance are not considered a securities product and therefore are not reviewed for suitability or subject to any payout grid. Again, based upon current regulation, USA FINANCIAL SECURITIES™ does not consider such products to be securities transactions and you are free to pursue your own distribution relationships.

No Haircut on Equity Index Annuities

Based upon the FINRA Notice to Members 05-50, we consider equity index annuities to be a non-securities transaction that is monitored for suitability review by the Broker Dealer. As such, USA FINANCIAL SECURITIES™ has entered into a service agreement with USA FINANCIAL MARKETING™, in order to provide the most conducive business environment possible for the Reps. All Reps are required to place their equity index annuity business through USA FINANCIAL MARKETING™ as the distributor so that USA FINANCIAL SECURITIES™ may readily access the business for suitability review. No more than ten percent of a rep’s business may flow outside of this distribution relationship (this business still must be submitted to the BD for review). In return, the rep may maintain full commissions, as the transactions will not be subject to any payout grid, even though USA FINANCIAL SECURITIES™ will be protecting everyone’s interests by conducting proper suitability review of all equity index annuity cases.