Capitol Wealth makes available through Capitol Wealth Advisors a broad array of Brokerage products and services to clients aimed at helping them achieve their life goals. This team of Wealth Representatives are available to provide full-service support, online discount brokerage, and cash management solutions for individuals, families, and businesses.

To locate a Wealth Representative to speak with about these products, please CLICK HERE

Full Service Brokerage Financial Planning Mutual Funds Stocks Bonds Discount Brokerage Online Trading Cash Management Sweep Accounts Money Market Funds	Other Brokered CDs Foreign Issues Precious Metals Unit Investment Trusts (UITs) Real Estate Investment Trusts (REITs) Options Custodial Account Fiduciary Restricted Stock

Full Service Brokerage

Financial Planning –

is the process of evaluating the investing and financing options available to help a firm or individual achieve their financial goals. This includes attempting to make optimal decisions, projecting the consequences of these decisions in the form of a financial plan, and then comparing future performance against that plan.

Mutual Funds –

are investments operated by investment companies.  Open-ended mutual funds continually offer new shares and stand ready to redeem existing shares from owners who wish to sell.  Individual mutual funds vary substantially in terms of the types of investments, their sales charges and their management fees. Mutual funds are considered long term investments. Consult the prospectus regarding the possibility of a contingent deferred sales charge.

Stocks –

are ownership shares or ownership shared in a corporation. Two types of stocks are:

• Listed - a security traded on any of the national or regional securities exchanges. Listed securities are generally more liquid than securities that trade only in the over-the-counter market.
• OTC - over-the-counter market; widespread aggregation of dealers who make markets in many different securities. Unlike an exchange on which trading takes place at one physical location, OTC trading occurs through telephone or computer negotiations between buyers and sellers. Virtually all government and municipal bonds and most corporate bonds are traded in the OTC market

Bonds –

are long-term promissory notes. Bonds vary widely in maturity, security, and type of issuer.

• Corporate – relating to a bond issued by a corporation as opposed to a bond issued by the U.S. Treasury or a municipality.
• Municipal – the debt issue of a city, county, state, or other political entity. Interest paid by most municipal bonds is exempt from federal income taxes and often from state and local taxes as well.
• Mortgage Backed Securities/CMOs – security collateralized with mortgage loans and issued by the Federal Home Loan Mortgage Corporation.
• Government/Agency – all bonds issued by the U.S. Treasury or other agencies of the U.S. government.

Discount Brokerage

On-Line Trading – Capitol Wealth Advisors is excited to welcome a new online discount brokerage tool, myWEALTH, to our customers. Create your own myWEALTH account with the help of one of our Brokerage Contact People, and once activated, you can maintain access to your account around the clock seven days a week from anywhere you have internet access. As a myWEALTH investor you can easily trade in stocks, options and mutual funds. You will also enjoy access to quotes, news information, graphs and research. As a client you can also choose from a variety of accounts, including margin and option accounts for the more sophisticated investor. With equity trades starting at the value price of $19.95 per trade, myWEALTH is the only online brokerage service you'll need. Please speak with one of our Brokerage Contact People for more information regarding this new service.

To access the myWEALTH login screen CLICK HERE

The discount brokerage tool is offered by PrimeVest Financial Services, Inc. a registered broker/dealer member FINRA/SIPC, and not affiliated with Capitol Bancorp Limited or its related companies.  Securities products offered by PrimeVest are not FDIC insured, may go down in value, not bank guaranteed, not a deposit and are not insured by any federal government agency.

Cash Management

• Sweep Accounts – A PrimeSweep account provides you with the capability to automatically transfer a portion of your checking account funds into a money market fund. The funds transferred to a PrimeSweep account have the potential to earn attractive daily dividends. When the balance in your checking account exceeds a predetermined amount (target balance) set by you and a PrimeSweep Representative, the excess money sweeps to a dividend earning money market fund of your choice. Likewise, if the balance in your checking account falls below the target balance, cash sweeps from the money market fund into your checking account. For your convenience, daily sweep transactions and the money market fund balance can be viewed online whenever you like. PrimeSweep offers another added value to opening an account by enabling you to write checks based upon your combined money market fund and checking account target balance. If this sounds like an intriguing option for you or your business, ask a PrimeSweep Representative about applying for PrimeSweep.
  

To access the PrimeSweep Account Viewing Application login screen CLICK HERE

PrimeSweep is offered by PrimeVest Financial Services, Inc. a registered broker/dealer member FINRA/SIPC, and not affiliated with Capitol Bancorp Limited or its related companies.  Securities products offered by PrimeVest are not FDIC insured, may go down in value, not bank guaranteed, not a deposit and are not insured by any federal government agency.

• Money Market Funds – mutual fund that sells shares of ownership and uses the proceeds to purchase short-term, high-quality securities.

Other

• Brokered CDs – a certificate of deposit of a commercial bank or savings and loan that is sold though an intermediary rather than directly by the savings institution itself. There are some unique differences between traditional bank CDs and brokered deposits.  CDs purchased directly from the bank may face an interest penalty if redeemed prior to maturity.  Brokered CDs cannot be redeemed back to the institution prior to maturity.  PrimeVest, though not obligated to do so, may in its sole digression maintain a secondary market, and attempt to sell CDs to other investors.  Early redemption or liquidation prior to maturity may be an amount less than the original investment.
• Foreign Issues – by a company incorporated in a foreign country, as opposed to investments in shares of local companies by foreign entities. An important feature of an increasingly globalized economic system. International investing involves a greater degree of risk and increased volatility. Changes in currency exchange rates, differences in accounting and taxation policies and political and economical instability can raise or lower returns.
• Precious Metals – an investment in silver, gold, and other precious metals. Due to the volatile nature of the precious metals markets, prices may fluctuate quickly. Investors should carefully consider whether precious metal investment are suitable in light their investment objectives.
• UITs - unit investment trust; an unmanaged portfolio of investments put together by an investment adviser and sold in units to investors by brokers. UITs are not actively managed and do not sell securities in response to ordinary market fluctuations. Instead, securities will not usually be sold until termination, which could mean that the sale price of the trust securities may not be the highest price at which these securities traded during the life of the trust.
• Real Estate Investment Trusts (REITS) – real estate investment trust; a trust that purchases and manages real estate and real estate loans and sells shares. Investors may risk portfolio diversity if investments are focused on one type of development or one geographic area leaving the REIT vulnerable to a downturn in that particular sector or area.
• Options – a contract that permits the owner, depending on the type of option held, to purchase or sell an asset at a fixed price until a specified date. Any change in the variables used in options investing (interest rate, future price, days to expiration, and volatility) will affect the options' price and investment risk.
• Custodial Account – An account which is created for the benefit of a minor, usually at a bank, mutual fund, or brokerage, with an adult as the person who holds and safeguards the assets for them.
• Fiduciary – A person legally appointed and authorized to hold assets in trust for another person. The fiduciary manages the assets for the benefit of the other person rather than for his or her own profits.
• Restricted Stock – Insider holdings that are under some other kind of sales restriction. Restricted stock must be traded in compliance with special SEC regulations.