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Frequently Asked Questions
As an Independent Advisor, do you have insurance for my accounts?
4KAST ADVISORS LLC BY CLEARING THROUGH NATIONAL FINANCIAL SERVICES LLC YOU ARE COVERED BY
EXCESS of SIPC coverage
. Total aggregate excess of SIPC coverage available through National Financial Services LLC’s excess of SIPC policy is $1 billion. Within National Financial Services LLC’s excess of SIPC coverage, there is no per-account dollar limit on coverage of securities, but there is a per-account limit of $1.9 million on coverage of cash.
This is the maximum excess of SIPC protection currently available in the brokerage industry.
Do you offer Life Insurance?
YES - WE ARE INSURANCE BROKERS WHICH ALLOWS US TO SHOP THE BEST FIT POLICY OR COMBINATION OF POLICIES TO PROVIDE YOU PEICE OF MIND. WHOLE LIFE, TERM-LIFE, UNIVERSAL LIFE, VARIABLE/VARIABLE UNIVERSAL LIFE, INDEX UNIVERSAL LIFE.
Do you offer Long-Term-Care?
YES - WE ARE LTC INSURANCE BROKERS WHICH ALLOWS US TO SHOP THE BEST FIT POLICY FOR YOU. TRADITIONAL LTC, LIFE WITH LTC RIDER.
Do you offer annuities?
YES - AS INSURANCE BROKERS WE ARE ABLE TO SHOP THE BEST FIT ANNUITY FOR YOUR NEEDS.
Do you have FDIC coverage?
YES - ON CASH HELD IN YOUR ACCOUNTS UP TO THE MAXIMUM LIMIT OF $250,000 PER ACCOUNT AND PER ACCOUNT HOLDER. WE ALSO OFFER CERTIFICATES OF DEPOSIT OFFERED BY BANKS NATIONWIDE WHICH ARE COVERED BY FDIC INSURANCE.
Do you offer loans?
YES - AT 4KAST ADVISORS WE ARE INDEPENDENT BROKERS, MEANING WE SHOP FOR THE BEST COMPETETIVE RATES FROM THE LEADING SECURITIES BASED LENDING PROVIDERS IN THE MARKET.
Do you day trade?
NO - WE ARE HERE TO HELP YOU MAKE, SAVE AND WISELY INVEST AND PROTECT YOUR ASSETS. WE DO NOT GAMBLE WITH YOUR HARD-EARNED SAVINGS.
What kind of return can you get on and IRA?
TRADITIONAL IRA ACCOUNTS ARE INVESTMENT VEHICLES INTENDED FOR RETIREMENT INCOME. THEY OFFER EITHER UPFRONT PRE-TAX INVESTMENT, OR TAX-DEDUCTABLE CONTRIBUTIONS ALONG WITH TAX DEFERRAL.
ROTH IRA AND ROTH 401 (K) OFFER POST TAX CONTRIBUTIONS ALONG WITH TAX DEFERRAL AND AFTER 5 YEARS (FROM DATE OF ACCOUNT OPENING) AND AGE 59 1/2 ALL ROTH WITHDRWALS ARE NOT TAXED.
EMPLOYER SPONSORED PLANS SUCH AS 401(K), 401(K) ROTH, 403(B), SIMPLE, SEP, SAR/SEP, 457 PLANS FUNCTION MUCH THE SAME AS THE TRADITIONAL IRA OR ROTH IRA WHERE APLLICABLE, HOWEVER THEY EACH HAVE DIFFERENT CONTRIBUTION LIMITS OR DEDUCTABILITY LIMITS, WHICH ARE TYPICALLY INDEXED UP SLIGHTLY FROM YEAR TO YEAR.
ALL RETIREMENT PLANS, OTHER THAN A TRADITIONAL PENSION PLAN, IS IN YOUR INDIVIDUAL CONTROL FOR RETURN ACHEIVED. INVESTMENT OPTIONS AVAILABLE TO YOU DIFFER BY TYPE OF PLAN YOU HAVE, FOR EMPLOYER SPONSORED PLANS THE INVESTMENT OPTIONS AVAILABLE IN THE PLAN ARE CHOSEN BY EITHER YOUR EMPLOYER OR BY THE SPONSOR OF YOUR PLAN. WITH THE GUIDANCE OF A LICENSED PROFESSIONAL SUCH AS 4KAST ADVISORS LLC YOU CAN ACHEIVE OR PROTECT YOUR INVESTMENT IN EACH TYPE OF THESE ACCOUNTS.
TRADITIONAL IRAs, ROTH IRAs, SIMPLE, AND SEPs TYPICALLY OFFER THE WIDEST ARRAY OF INVESTMENT OPTIONS AVAILABLE TO YOU AND YOUR INVESTMENT PROFESSIONAL. WHEREAS 401(K), 401(K) ROTH, 403(B), AND 457 PLANS ARE TYPICALLY LIMITED IN THEIR INVESTMENT OPTIONS FOR SIMPLICITY AND LIABILITY REASONS FOR THE EMPLOYER.
You’re located in Fairhope AL. Can you do business in my State?
YES - ALL 50 STATES OF THE UNITED STATES.
Who do you clear through?
National Financial Services LLC, a Fidelity Investments company, is one of the largest providers of brokerage services. Fidelity Investments is one of the world’s largest providers of financial services, with custodied assets of $4.8 trillion, including managed assets of $1.9 trillion as of July 31, 2014. The firm is one of the largest mutual fund companies in the United States, and a leading provider of workplace retirement savings plans. As a privately held business, Fidelity doesn’t have the distractions of a publicly held firm, so it can continue to focus on providing quality products and services that we can pass on to our customers.
Are my accounts with 4Kast Advisors LLC covered by Securities Investor Protection Corporation (SIPC)?
Both National Financial Services LLC and our Broker Dealer, Kestra Financial LLC are members of the Securities Investor Protection Corporation (SIPC), which was created in 1970 to protect customers of member broker-dealer firms in case of broker-dealer liquidation. A nonprofit membership corporation, SIPC is funded by broker-dealers, and protects its membership by law. Securities in accounts carried by National Financial Services LLC are protected in accordance with the SIPC up to $500,000 (including cash claims limited to $250,000). For details, please visit
In addition to SIPC protection, National Financial Services LLC provides for brokerage accounts additional “excess of SIPC” coverage from Lloyd’s of London, together with other insurers. Within National Financial Services LLC’s excess of SIPC coverage, there is no per-account dollar limit on coverage of securities, but there is a per-account limit of $1.9 million on coverage of cash. This is the maximum excess of SIPC protection currently available in the brokerage industry.
Will I be able to see my accounts online?
YES – ONLINE ACCESS TO YOUR ACCOUNTS IS AVAILABLE BY REGISTERING YOUR ACCOUNT AT
Is it easy to open an account?
YES – AT 4KAST ADVISORS LLC MOST ACCOUNTS ARE OPENED AND TRANSFERRED BY DOCUSIGN, OR IF REQUESTED, PRINTED THEN SIGNED.
Are you a Fiduciary?
YES – JAMES F. EDDINS, II AND 4KAST ADVISORS LLC ARE FIDUCIARIES. JAMES F EDDINS, II HANDELS ALL BUSINESS DEALINGS WITH HIS CLIENTS AS A FIDUCIARY SIMPLY BECAUSE IN HIS OPINION, THERE SHOULDN’T BE ANY OTHER WAY OF CONDUCTING BUSINESS IN THIS INDUSTRY. JAMES IS ALSO A CERTIFIED FINANCIAL PLANNER PROFESSIONAL, WHICH REQUIRES THE HIGHER FIDUCIARY STANDARD TO HOLD THE CERTIFICATION.
Do you have any complaints or disclosures against you?
NO – FINRA PROVIDES A PUBLIC RESOURCE TO VERIFY ALL LICENSED OR PREVIOUSLY LICSENSED FIRMS AND FINANCIAL ADVISORS' EMPLOYMENT HISTORY, EDUCATION, LICENSES, CERTFICATIONS, AND DISCLUSURES WHICH CAN BE FOUND AT
. SIMPLY TYPE IN NAME (JAMES EDDINS) LOCATED IN (FAIRHOPE, AL).