After witnessing nearly two decades of change and consolidation in the financial industry, it proved difficult to align what is best for you, with what is best for the shareholders of a large publicly traded financial services company. For this reason, we affiliate with one of the most respected privately-owned independent broker-dealers in the industry, Cambridge Investment Research, Inc. for our securities business. This allows us to truly serve your needs without the corporate agendas or proprietary sales quotas present at many of our competitors. Cambridge was awarded Broker-Dealer of the Year nine of the last ten years and maintains a written commitment to private ownership and the core values that set them apart from competing broker-dealers. Since 2013 we remain thrilled with the support given to our office, to support your goals and access to unbiased investment opportunities. You can read more about Cambridge here.
Regarding independent risk management, Pointer Creek will only contract as an independent broker, where our legal obligation is to serve the individual or entity obtaining the policy. This is vastly different than contracting as an agent - whose legal obligation is to serve the company issuing the policy. We also firmly believe in using mutually owned companies to every extent possible. Because mutually owned companies are owned by the policyholders, all profits or excess premiums are redistributed to the policyholders in the form of dividends or reduced expenses. To view the extensive list of 50+ companies we are appointed with (and those we are no longer appointed with, due to not being competitive) you can visit the Ohio Department of Insurance Agent / Agency Locator.