FINANCIAL PLANNER
DISCLOSURE FORM
FOR DALE W. HEDSTRAND

Focal Point Financial Services
2214 5th Street, Suite 1
White Bear Lake, MN 55110
Phone: (651) 426-7375

As required by Minnesota Regulations, you are entitled to the following information regarding the products, services or proposed services I offer in financial planning.

1. My compensation may be based on the following:
   1. Commissions, generated from the sale of products
   2. Fees
   3. Combination of A & B
      
2. I am authorized to offer or sell products and/or services issued by or through the following firms:

Securities will be sold, distributed or placed through AIG Financial Advisors, Inc., a registered broker/dealer, member NASD, SIPC

• BANNER IFE INS. CO. – Rockville, MD 20850
• MUTUAL OF OMAHA--Omaha, NE 68175
• BLUE CROSS & BLUE SHIELD OF MN--St. Paul, MN 55164
• PRINCIPAL MUTUAL LIFE INS. CO.--Des Moines, IA 50392
• DELTA DENTAL--Minneapolis, MN 55440
• PROVIDENT LIFE INS. CO. --Worcester, MA 01608
• FORTIS BENEFITS INS. CO. --Milwaukee, WI 53203
• GUARDIAN LIFE--New York, NY 10003
• HEALTH PARTNERS INC.--Minneapolis, MN 55440
• AIG FINANCIAL ADVISORS, INC.-- Phoenix, AZ 85004
  (A Life Insurance General Agency)
• ILLINOIS MUTUAL LIFE CO.--Peoria, IL 61634
• UNITED WISCONSIN GROUP-- Milwaukee, WI 53201
• JACKSON NATIONAL LIFE--Lansing, MI 48909
• UNUM--Portland OR 04122
• MEDICA--Minneapolis, MN 55440
• ZURICH KEMPER LIFE--Long Grove, IL 60049
• AFLAC --Columbus, GA 31999

3. I am licensed in Minnesota as an:

• Insurance Agent - Lic. #0026071
• Securities Agent
• Associated person with AIG Financial Advisors, Inc., a registered investment advisor firm

4. The license(s) entitles me to offer and sell the following products or service:

• Stocks/Bonds
• Mutual Funds
• Limited Partnerships
• GNMA's / CMO's
• Variable Annuities
• Variable Insurance
• R.E.I.T.'s
• Unit Trusts
• Life/Disability/Health/Dental/Long-Term Care Insurance
  

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.