Theodore Everett Charles

Investors Capital Holdings Ltd. is a financial services holding company that operates primarily through its wholly-owned subsidiary, Investors Capital Corp. The company operates through two segments: Broker-dealer Services and Investment Advisory Services. The Broker-dealer Services segment includes corporate stocks and bonds, United States Government securities, municipal bonds, mutual funds, variable annuities, alternative investments and variable life insurance, including provision of market information, internet trading and portfolio tracking facilities and records management. The Investment Advisory Services segment includes asset management, conducting business as investor's capital advisory services. Investors Capital Holdings was founded by Timothy B. Murphy in July 1995 and is headquartered in Lynnfield, MA.

Essex Securities LLC operates as brokerage firm. The firm provides assistance in bonds, variable annuities, government securities, long term care, life insurance, estate plans, profit sharing plans, check writing, brokerage accounts and variable life insurance. The company was founded by Theodore Everett Charles in 1994 and is headquartered in Topsfield, MA.

Eastern Point Advisors, Inc. is a registered investment advisor based in Lynnfield, Massachusetts. The firm is a subsidiary of Investors Capital Holdings Ltd.

Founded in 1992, Investors Capital Corp. is an independent SEC-registered broker/dealer headquartered in Lynnfield, Massachusetts. The firm is a subsidiary of Investors Capital Holdings Ltd. They provide a full array of trading and execution services for their clients. The firm does not provide any internal research. Investors Capital Corp. is a member FINRA, NASD and SIPC.

Part of Bank Securities Association, Financial Institutions Insurance Association operates a business association providing for the marketing of insurance and annuities. The company is based in Valley Center, CA. Financial Institutions Insurance Association was acquired by Bank Securities Association on September 17, 2002.

The Financial Planning Association operates as a leadership and advocacy organization. The private company is based in Denver, CO. The company was founded by Michael P. Ryan.