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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/orInsurance 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.VDM is a separate non-affiliated business entity to NEI, Nicol Financial Services, and Nicol Properties. Nicol Investors Corporation is licensed in AR, CA, CO, CT,FL, IL, IN , KS, KY, MI, MO, NE, OH, OK ,TN &TX