Securities and investment advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC. Some representative ... s of SagePoint Financial, Inc. are also Investment Advisor Representatives of Independent Capital Management, Inc., a registered investment advisor which is not affiliated with SagePoint Financial, Inc. Certain insurance services are also offered through Independent Capital Management, Inc. Securities may lose value, Not FDIC/NCUA insured, Not Bank or Credit Union guaranteed. read more