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The
Ten Commandments of the Nicol Agency
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I.
Thou shall not sell any product you would not own, if the need existed
and your goals, objectives, temperament and tax bracket was similar.
II. Thou shall treat all clients and associates
with the same respect and consideration as you would like to be treated.
(Never pressure and always educate and disclose. View your clients
as if they were your parents and Associates as if they were siblings.)
III. Thou shall not sell any product with a great likelihood
you would potentially have to make an excuse for in the future.
IV. Thou shall obey all industry laws and keep them holy.
(i.e. never share commissions, forge signatures, accept cash or checks
made out to you;
always provide full disclosure, etc.)
V. Thou shall always offer a complete Confidential Needs Analysis and
full-service.
(i.e. insurance, investments, estate planning, etc. Remember: You are
an advisor, not just a salesman.)
VI. Thou shall balance all your client portfolios with prudent asset
allocation based on their needs with consideration to goals, objectives,
temperament and taxes.
(Do not sell single funds unless minimums are not met. Provide proper
balance between:
long-term/short-term, stocks/bonds/money market, large/mid/small cap,
domestic/global, etc.)
VII. Thou shall make recommendations based on client need with consideration
of management, breakpoints, and long-term positioning. Thou shall not
make recommendations due to commissions and promotions.
(Do not sell “hot,” “hyped,” or “star-managed”
funds. Sell the fund family concept, not single funds.)
VIII. Thou shall always be coachable and open-minded while in constant
pursuit of excellence, knowledge, the truth, and improvement of your
business.
(Attend all meetings, read, study, etc.)
IX. Thou shall not advertise, produce or distribute any literature
without obtaining approval.
(It is always best to ask permission than not receive any forgiveness.)
X. Thou shall not represent the Nicol Agency without executing a signed
written Associate Agreement and abiding fully with the Agency’s
"Prime Directive," “Code
of Ethics,” and these Commandments.
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#1 Executive Park, P. O. Box 907, Granite City, IL 62040-0907
(618)931-3267 or (314)355-TERM Toll Free: (888)GO NICOL Fax: (618)797-3239
www.nicolinvestors.com |
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Associates
of Nicol Financial Services are:
registered representatives of and offer securities through: Nicol
Investors Corporation (NIC), Member FINRA and SIPC; and/or
Investment Advisor Representatives of Nicol Advisors Corporation
(NAC); and/or Insurance Producers of Kevin G. Nicol & Associates,
Inc.
Kevin G. Nicol & Associates, Inc.; NIC; and NAC are subsidiaries
of Nicol Enterprises, Inc.
(NEI)NEI, Nicol Financial Services, and Nicol Properties are all
separate business entities.
Nicol Investors Corporation is licensed in AR, CA, CO, CT,
FL, IL, IN , KS, KY, MI, MO, NE, OH, OK ,TN &TX. |
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