Focal Point Financial: Purpose

Focal Point Financial Services is a broadly based insurance and comprehensive financial service organization. We specialize in helping the client seek and secure the appropriate plan in light of the changing economic, tax and financial environment. The primary purpose is to consider the client first. Take the time to make them informed. Then assist the client with the proper decision that is consistent with their resources, objectives and risk tolerance levels.

PLANNING SERVICES

Retirement Planning - We assist and implement IRA's, 403(b) Tax Deferred Accounts, 401(k) plans, Simplified Employee Pensions (SEP), Salary Reduction Agreement plans, SIMPLE Plans, Roth IRA Plans, Profit Sharing and Money Purchase plans, and other retirement plan programs.
Employee Benefits - We offer a broad array of group and individual benefit plans. These include health insurance, group life, short and long term disability plans, dental plans, retirement plans and pre-tax reimbursement plans. Our services include securing competitive bids in each applicable area. Employee benefits are coordinated to achieve optimal effectiveness and satisfaction.
Investments - Through AIG Financial Advisors, Inc. we can provide comprehensive investment and planning guidance including personal asset allocation designs.
Taxes - Assistance can be given in tax planning in conjunction with your personal tax preparer.
Estate Planning - Considerations of liquidity, transferability, taxation and estate goals are worked on in conjunction with attorneys and accountants specializing in estate planning.
Business Planning - We assist in key person plans for life and disability, business continuation plans, and buy/sell plans for the owners of a business. Assistance is available for corporate investment plans taking into account the cash flow needs and the various goals of each organization.
Education Planning - Guidance is given in planning for minor-aged children's future, including life insurance, investment plans, Education IRA and UTMA plans.
Retiree Income Planning - Assistance in evaluating the retirement distribution options and transfer or rollover provisions is provided.
Insurance - With the needs of the client in mind we evaluate whole life, term life, period-term life, variable and universal life, short and long term disability, health insurance and annuity options to provide the most effective means of meeting those needs.
Long-term Care - In light of changing conditions, we can assist with long-term care insurance, spousal and heir income planning and asset distribution guidance.

INVESTMENTS AND FINANCIAL PRODUCTS

Securities - These are offered through AIG Financial Advisors, Inc., a SIPC and NASD registered broker/dealer located in Phoenix, AZ. Individual stocks and bonds are cleared through a major New York Stock Exchange clearing corporation.

Investments offered include but are not limited to the following:

Stocks and Bonds
Treasury Note's and GNMA's
Mutual Funds
Tax Exempt Funds
Unit Trusts
REIT's
CMO's
Variable Annuities

Managed Accounts
Indexed Investments
Money Market Accounts
Universal Life Insurance
Limited Partnerships In:
- Real Estate
- Oil and Gas
- Cable & Leasing

Insurance - This is offered through many different insurance companies, depending upon the specific need of the client. Fixed and variable annuities, whole life, universal life, variable life and term life insurance are provided. Coverage includes health insurance, disability insurance, dental insurance and long-term care insurance. Assistance is given to employer-group plans and to individuals. Minnesota insurance license #26071.
Certificates of Deposit - FDIC insured savings certificates of various amounts and maturities are offered through third party financial institutions.
Associated Person / Registered Investment Advisor - private asset management, personal investment advisors, market timing and fee-based planning services are available through AIG Financial Advisors, Inc., a registered investment advisor firm.

Our clients are our business.

Focal Point Financial Services
2214-5th St., Suite 1
White Bear Lake, MN, 55110
(651) 426-7375 or 1-888-426-7373
Fax (651) 426-6004

dale@focalpointfinancial.com

NOTE: Dale Hedstrand is a registered principal associated with AIG Financial Advisors, Inc., Member NASD/SIPC. Before proceeding further, please be advised that Dale Hedstrand is licensed to discuss with or offer investment and financial services and products only to residents of AL, AZ, CA, FL, ID, MD, MI, MN, MO, NH, NM, ND, OH, OK, OR, SC, SD, TX, UT, VA, WA, WI, WY. Securities related services may not be provided to individuals residing in any state not listed above. The information offered is for informative purposes only. None of this information is to be construed as an offer to buy or sell securities referred to within or otherwise. Neither Dale Hedstrand nor AIG Financial Advisors, Inc makes any guarantee as to the accuracy or completeness of this information.

This information has been prepared from sources and data believed to be reliable but is not guaranteed by NASD/SIPC or AIG Financial Advisors, Inc., nor is any representation made herein as to its accuracy or completeness. This listing is provided for information purposes only and is not to be construed as an offer to buy or sell any securities mentioned herein.

We do not endorse any business or product you may find as a result of these links. The links were chosen as a sample of what the Internet has to offer. We caution you: do not enter into any agreement or purchase anything via the Internet until you and your advisors are satisfied that you are getting what you are paying for.