¹Investment Advice:

Securities and brokerage products are offered through Ocean Financial Services, LLC (OFS), while investment advisory services are provided by Ocean Financial Advisors, LLC (OFA). There are important differences between these services, the fees and costs charged for each and potential limitations we may have to service your account.  To learn more about these please visit www.investor.gov and/or visit https://brokercheck.finra.org/firm/summary/164289 to read our Relationship Summary.  Also, please visit, https://adviserinfo.sec.gov/firm/summary/291950 to learn important information regarding OFA. Not all of OFS Financial Consultants are authorized or qualified to provide investment advice.  This important limitation means that your Financial Consultant will only be able to offer you securities brokerage services and not advisory services, which in certain instances may be more beneficial for you.  Please visit www.investor.gov where you can research the qualifications of your Financial Consultant. OFS Financial Consultants are required to only solicit and provide recommendations that are in the client’s best interest.  We have controls in place to monitor for compliance with best interest standards.

²Credit Solutions:

Credit solutions vary and have limitations depending on your intended use of funds.  Certain credit solutions may be provided through our clearing firms (e.g.: Margin Accounts) or through our parent company Ocean Bank. All credit solutions will be impacted by the securities you hold and their respective loan-to-value ratio. Also, bear in mind that if we offer and you choose a credit solution through Ocean Bank we have a conflict of interest as our Financial Consultants are compensated for loans booked through Ocean Bank. Despite this conflict Financial Consultants will only recommend products when they conclude they are in your best interest.  Credit Solutions, such as Margin Accounts, carry specific risks that you should be aware of.  Please click here for more information.