PERSONAL INSURANCE SERVICES
BOAT/RECREATIONAL VEHICLE INSURANCE POLICIES
What is Boat/Recreational Vehicle Insurance? Whether your hobby consists of boating,
snowmobiling, or traveling in your Recreational Vehicle, you have made a substantial
investment. CIA Financial Group can ensure you have the proper insurance coverage to
protect your favorite pastime. We work with you to obtain the coverage you need, including
On-Water Towing for boaters, Emergency Vacation Expense and Vacation liability for RVers,
and Flatbed Towing for your classic car.
Why can you trust CIA Financial Group to provide you with the best possible
Boat/Recreational Vehicle Insurance?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
We are able to package this coverage on some auto and homeowners' policies
to take advantage of additional discounts and savings.
We have access to specialty carriers to obtain coverage for people with
unique situations.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Boat/Recreational Vehicle Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
PERSONAL INSURANCE SERVICES
HOMEOWNERS INSURANCE
What is Homeowners Insurance? Like most Americans, your home is one of your most
valuable assets. You need to make sure it is protected. Homeowners Insurance covers your home
on a “replacement cost” basis, including your garage and your personal property (i.e. furni-
ture, clothing, and other family possessions). Your agent at CIA Financial Group will work
with you to tailor your Homeowners Insurance Policy to precisely fit your specific needs.
Why can you trust CIA Financial Group to provide you with the best possible
Homeowners Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
CIA Financial Group can package your insurance policy to cover valuables,
watercrafts, and snowmobiles.
We work with you to take advantage of the many discounts available.
CIA Financial Group agents are licensed by the State of Michigan and
offer comprehensive customer service.
We review your policy at every renewal to verify you are still receiving
the best coverage for the best price.
We will be your advocate to assure you receive superior claims service.
CIA Financial Group can also assist you in retaining other insurance policies.
Because we offer a wide range of services under one roof, you are able to
take care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Homeowners Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
PERSONAL INSURANCE SERVICES
INDIVIDUAL MEDICAL INSURANCE POLICIES
What are Individual Medical Insurance Policies? Individual Medical policies are
designed to cover individuals not eligible for group benefits through an employer, or who
choose not to elect employer coverage. CIA Financial Group offers permanent plans as well as
short term coverage for individuals who need six months or less of coverage. We work with
many different carriers to offer our clients plans with deductible and co-pay options from
catastrophic coverage to plans with lower deductibles for less out of pocket costs.
Why can you trust CIA Financial Group to provide you with the best possible Individual
Medical Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We make it our business to understand your needs.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take care
of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Individual Medical Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
PERSONAL INSURANCE SERVICES
PERSONAL AUTO INSURANCE
What is Personal Auto Insurance? If you want to register and operate a vehicle in the
State of Michigan, the law requires that the car be insured. The law spells out the minimum
amounts of coverage required and sets up a “No-Fault” system for providing benefits. But —
and this could be important to you — what the law requires doesn’t cover every possible loss
connected with car ownership. You can protect yourself against these additional exposures by
consulting with your CIA Financial Group agent to be sure you have the coverage you need.
Why can you trust CIA Financial Group to provide you with the best possible Personal
Auto Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
We work with you to take advantage of the many available discounts.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
We will be your advocate to assure you receive superior claims service.
CIA Financial Group can also assist you in insuring other valuable vehicles.
Because we offer a wide range of services under one roof, you are able to
take care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Personal Auto Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
PERSONAL INSURANCE SERVICES
PERSONAL UMBRELLA LIABILITY INSURANCE
What is Personal Umbrella Liability Insurance? Do you know that a personal liability
lawsuit could threaten the lifestyle you’ve worked so hard to attain? The lawyers’ fees, court costs
and liability costs associated with lawsuits often reach amounts that can have a serious impact on
your family’s well being. Your homeowners or automobile liability limits might not be enough to cover
the cost of such a liability claim. An inexpensive, yet effective, solution to protect your assets is to
have a Personal Umbrella Liability policy. A Personal Umbrella Liability policy offers coverage to
help protect your assets from the risk of costly lawsuits that may result from personal injury or prop-
erty damage. This coverage is over and above what your auto and homeowners policies would pro-
vide for personal liability settlements and defense costs.
Why can you trust CIA Financial Group to provide you with the best possible Personal
Umbrella Liability Insurance?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
We are able to package this coverage on some homeowners’ policies.
We have access to specialty carriers to obtain coverage for people with unique situations.
CIA Financial Group agents are licensed by the State of Michigan and
offer comprehensive customer service.
We review your policy at every renewal to verify you are still receiving the
best coverage for the best price.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial
services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Personal Umbrella Liability Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
COMMERCIAL INSURANCE SERVICES
WORKERS’ COMPENSATION
What is Workers’ Compensation? Workers’ compensation is an employee’s “exclusive remedy”
to offset the paid and lost time of a work-related injury or illness. This coverage provides prompt
payment of wage-loss benefits and medical treatment. The State of Michigan requires all private
employers to have workers’ compensation coverage if they regularly employee three or more workers at
one time; or during the preceding 52 weeks, they have regularly employed at least one worker for
35 hours or more per week. Employers who may be exempt can find that voluntarily providing
workers’ compensation benefits is the best way to protect workers and the business against the cost of
work-related injuries.
Why can you trust CIA Financial Group to provide you with the best possible
Workers’ Compensation Program?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We will help you determine if you are required by the State of Michigan to
carry workers’ compensation coverage.
We will help you classify personnel as employees or independent contractors.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial
services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Workers’ Compensation needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
COMMERCIAL INSURANCE SERVICES
AUTO/FLEET INSURANCE
What is Auto/Fleet Insurance? Successful business owners understand the importance
of reliable commercial auto insurance for their business vehicles. With this in mind, CIA
Financial Group provides comprehensive commercial auto insurance by offering businesses a
wide variety of coverages for vehicles and drivers. CIA Financial Group is also pleased to
offer Hired & Non-Owned Auto Coverage. If your employees use their own vehicles for
company business, you can rest easier knowing you’ve added this optional protection to your
coverage. This policy covers liability for the company of hired or non-owned vehicles while
being used by a representative of the company.
Why can you trust CIA Financial Group to provide you with the best possible
Auto/Fleet Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
CIA Financial Group has access to specialty carriers to obtain coverage for employers
and employees with unique situations.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to
take care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Auto/Fleet Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
COMMERCIAL INSURANCE SERVICES
PACKAGE POLICIES
What is a Package Policy? A Commercial Package Policy is like a finely tailored suit… they are
custom designed to fit the client perfectly. The coverages you require can be selected from a wide range
of menu options that are assembled into one comprehensive policy. The flexibility of the Package
Policy allows CIA Financial Group to provide much needed protection for a broad range of business-
es. We service policyholders in mercantile, service, processing, office, manufacturing, wholesale, and
other non-residential fields. No matter what uniform you wear, we can customize coverage for you.
Why can you trust CIA Financial Group to provide you with the best possible
Package Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
We have the ability to write one comprehensive policy to cover your Business
Property, General Liability, Crime, Inland Marine, Equipment Breakdown, and Commercial
Automobiles.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We review your policy at every renewal to verify you are still receiving the
best coverage for the best price.
CIA Financial Group can provide access to Loss Control professionals who can
visit your location to help you find problems before they become accidents.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to
take care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial
services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Package Policy needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
COMMERCIAL INSURANCE SERVICES
UMBRELLA POLICIES
What are Umbrella Policies? Commercial Umbrella policies provide an additional layer
of protection above what is provided by your underlying policies. When losses exceed the cover-
age limits of standard Business Auto, Business Owners, or Package Policies, Umbrella Policies
take effect to cover the balance. A great deal of coverage is provided through an Umbrella
policy for a comparatively minimal premium.
Why can you trust CIA Financial Group to provide you with the best possible
Umbrella Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We make it our business to understand your Commercial Umbrella Insurance needs.
We review your policy at every renewal to verify you are still receiving the best
coverage for the best price.
We personally write all of the underlying coverage required for an umbrella policy.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take care
of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Umbrella Policy needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
COMMERCIAL INSURANCE SERVICES
BUSINESS OWNERS POLICIES
What are Business Owners Policies (BOP)? Business Owners Policies (BOP) are
designed to combine protection from all major property and liability risks, including business
property, business interruption, and liability. They are ideally suited for small and mid-sized
businesses because a unique policy is created for businesses that generally face the same
kind and degree of risk. Larger companies might purchase a commercial package policy or
customize their policies to meet the special risks they face.
Why can you trust CIA Financial Group to provide you with the best possible Business
Owners Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide
you with the maximum choice of coverages and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We make it our business to understand your business needs.
We review your policy at every renewal to verify you are still receiving the
best coverage for the best price.
We will be your advocate to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to
take care of all your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Business Owners Policy needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.532.8300 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
RISK MANAGEMENT PLANNING
What is Risk Management Planning? Individuals are naturally concerned about the
long-term well-being of their personal and family members’ lives. CIA Financial Group can do a
thorough analysis of your Life Insurance, Disability Insurance, and Long Term Care Insurance
needs to ensure you and your loved ones are protected in the event of tragedy or hardship.
Why can you trust CIA Financial Group to provide you with quality Risk
Management Planning Services?
CIA Financial Group is an independent provider of financial services which allows
us to identify an insurance product that is potentially right for you and your family.
As an independent financial advisory firm, CIA Financial Group has access to the entire
market place of products.
Knowledge and experience of insurance services are required to provide the best
possible recommendation to our clients. We are proud of our 30 year track record!
CIA Financial Group maintains regular communication with our clients taking
advantage of our Investment Management services. Clients will have access to our
90-Day Client Contact Program, 90-Day Client Report Program, and 6-Month Client
Review Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a full range of financial services. With a wide range of services, CIA Financial Group
is Your Source for Comprehensive Financial Services.
To discuss your Risk Management Planning needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
COMPREHENSIVE FINANCIAL ANALYSIS
What is Comprehensive Financial Analysis? When you travel you need to know where you
are and where you want to be. Understanding the route you must travel to reach your desired
destination is as important as having the mode of transportation to get there. Your financial
goals are no different. To work towards the desired outcome you must first understand your pres-
ent financial situation. CIA Financial Group offers investors a Comprehensive Financial
Analysis which seeks to serve as your road map for working towards your desired financial desti-
nation. We first perform an extensive review of your current financial situation and provide you
with projections for future need in retirement based on many factors, including inflation adjusted
cost of living factors, college planning, travel, and major purchases. The analysis is delivered
with a projection of additional annual investment needs and tax saving strategies.
Why can you trust CIA Financial Group to provide you with quality
Comprehensive Financial Analysis?
CIA Financial Group can provide you with a detailed analysis of your financial liabilities
and create a plan to help you work towards your financial goals.
As an independent financial advisory firm, CIA Financial Group has access to
the market place of products.
Knowledge and experience of Investment Management are required to provide quality
advice to our clients. We are proud of our 30 year track record!
Because CIA Financial Group can provide you with a wide range of financial services,
your financial advisor can review your deficiencies and needs and make educated
recommendations for you.
CIA Financial Group maintains regular communication with our clients taking
advantage of our Investment Management services. Clients will have access to our
90-Day Client Contact Program, 90-Day Client Report Program, and 6-Month Client
Review Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing
individuals, families, business owners, and corporate executives throughout Michigan
with professiona service and a full range of financial services. With a wide range of
services, CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Comprehensive Financial Analysis today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
ESTATE PLANNING ANALYSIS
What is an Estate Planning Analysis? Are you confident that your heirs will be properly
taken care of when you are no longer around to help support them? Do you have a plan in
place to ensure your spouse, children, and favorite charities will each receive the financial gifts
you want them to have? If not, you are, unfortunately, not alone. Many Americans are
careful to create a financial plan for while they are alive, but do not plan for after death.
CIA Financial Group works with people everyday to properly plan their estate through probate
avoidance techniques, gifting strategies, and will/trust implementation. It is through this care-
ful planning that we are able to help ensure your heirs will be taken care of when you are not
around to do so.
Why can you trust CIA Financial Group to provide you with Estate Planning Analysis?
CIA Financial Group will work hand-in-hand with your attorney to ensure the
plan for your estate is prudent.
CIA Financial Group can develop a strategy to seek to minimize estate tax burdens.
You have worked too hard and for too long to have the financial rewards stripped away
due to imprudent planning. CIA Financial Group is 100% committed to preserving
your family's legacy and ensuring future generations benefit from what you will
leave behind.
CIA Financial Group maintains regular communication with our clients taking
advantage of our Investment Management services. Clients will have access to our
90-Day Client Contact Program, 90-Day Client Report Program, and 6-Month
Client Review Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a full range of financial services. With a wide range of services, CIA Financial Group
is Your Source for Comprehensive Financial Services.
To discuss your Estate Planning Analysis today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
INVESTMENT MANAGEMENT
What is Investment Management? You work hard for your money and want to ensure
that the financial decisions you make for your retirement are done prudently with you and
your family’s best interest in mind. CIA Financial Group is pleased to offer our clients compre-
hensive Investment Management services that take into account model portfolio development
and asset allocation modeling.Through our Investment Management services, clients gain access
to our wide range of investment vehicles, including Brokerage Services* (stocks*, bonds*, mutual
funds*), Annuity Products (Fixed, Variable*, Indexed), Real Estate Investment Trusts*
(Publicly and Non-Publicly Traded), and Fee-Based Services (Separately Managed Accounts,
WRAP Accounts, Institutional Money Management)
Why can you trust CIA Financial Group to provide you with quality
Investment Management Services?
CIA Financial Group is an independent provider of financial services which allows
us to provide you with professional management of your assets.
As an independent financial advisory firm, CIA Financial Group has access to
the market place of products.
Knowledge and experience of Investment Management are required to provide the
best possible advice to our clients. We are proud of our 30 year track record!
Because CIA Financial Group can provide you with a wide range of financial services,
your financial advisor can review your possible deficiencies and needs seeking to make
the right recomm endation for you.
CIA Financial Group maintains regular communication with our clients taking
advantage of our Investment Management services. Clients will have access to our
90-Day Client Contact Program, 90-Day Client Report Program, and 6-Month
Client Review Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a full range of financial services. With a wide range of services, CIA Financial Group
is Your Source for Comprehensive Financial Services.
To discuss your Investment Management needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
* Securities offered through Mutual Service Corp. Member NASD/SIPC.
Advisory Services offered through CIA Financial Group, A Registered Investment Advisor.
CIA Financial Group, Inc. and Mutual Service Corporation are separate companies.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
QUALIFIED RETIREMENT PLANNING
What is Retirement Planning? Employers always seek an edge to recruit and retain
valuable employees. Providing a retirement plan is one of the ways that employers are posi-
tioning themselves to keep employees energized and committed to the long-term success of the
business. CIA Financial Group works with businesses of all sizes to develop retirement plans
that are beneficial in creating loyalty among employees while keeping company costs down.
We have worked with companies to establish 401(k) and 403(b) plans, Simple and SEP
IRAs, and Profit Sharing Plans. CIA Financial Group also provides businesses throughout
Michigan with educational workshops to help employers and their employees understand
their options regarding financial planning
Why can you trust CIA Financial Group to provide you with comprehensive
Business Planning Services?
CIA Financial Group is an independent provider of financial services which allows
us to provide you with a recommended retirement plan with an eye toward
your bottom line.
Many small business owners and executives are unsure about what type of retirement
plan may suit them. CIA Financial Group works with those businesses to assess
retirement plan needs and recommend an appropriate course of action.
Because CIA Financial Group is an independent provider of financial services,
we are positioned to help you work towards building a retirement plan for you and
your employees.
CIA Financial Group maintains regular communication with our clients taking
advantage of our Investment Management services. Clients will have access to our
90-Day Client Contact Program, 90-Day Client Report Program, and 6-Month
Client Review Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a full range of financial services. With a wide range of services, CIA Financial Group
is Your Source for Comprehensive Financial Services.
To discuss your Retirement Planning needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
FINANCIAL PLANNING & INVESTMENT MANAGEMENT SERVICES
BUSINESS PLANNING
What is Business Planning? As a business owner you have worked too hard for too long
to let it fail because of a lack of short and long-term planning. CIA Financial Group is
pleased to offer our clients Business Planning services that will help entrepreneurs take
control of their business and their future by addressing key issues, including employee
benefits, personnel hiring and retention, operations and structure, and financial
management. Having a plan in place can provide for stability for the business while
providing peace of mind for the owner.
Why can you trust CIA Financial Group to provide you with quality Business
Planning Services?
CIA Financial Group is an independent provider of financial services which allows us to
provide you with guidance of your business.
As an independent financial advisory firm, CIA Financial Group has access to the
market place of products.
Knowledge and experience of Business Planning are required to provide outstanding
service to our clients. We are proud of our 30 year track record!
Because CIA Financial Group can provide you with a wide range of financial services,
we can help you build a plan for your business and recomm end a prudent course of
action to see the plan through to fruition.
CIA Financial Group maintains regular communication with our clients taking advan-
tage of our Investment Management services. Clients will have access to our 90-Day
Client Contact Program, 90-Day Client Report Program, and 6-Month Client Review
Meeting Program.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a full range of financial services. With a wide range of services, CIA Financial Group
is Your Source for Comprehensive Financial Services.
To discuss your Business Planning needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
GROUP DENTAL AND VISION
What is Group Dental and Vision Insurance? Many employers may desire to provide
employees with a range of additional coverages outside of the group medical coverage in an
effort to draw and retain key personnel. Group Dental and Vision can be added to medical
coverage for a more comprehensive package. Employers can provide these additional benefits at
their expense, costs can be split by the employer and employee, or voluntary to the employees at
their cost. Dental plans can range in benefits from limited coverage to richer plans that
include orthodontics.
Why can you trust CIA Financial Group to provide you with the best possible Disability
and Life Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages, costs, and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We make it our business to understand your business needs and will come to your
place of business!
We review your policy at every renewal to verify you are still receiving the
best coverage for the best price.
We will be your advocates to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Group Dental and Vision Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
GROUP DISABILITY AND LIFE INSURANCE
What is Disability and Life Insurance? Many employers may desire to provide employees
with a range of additional coverages outside of the group medical coverage in an effort to draw
and retain key personnel. Group Life Insurance, Long Term and Short Term Disability, and
Long Term Care are coverages that provide win/win solutions to meeting employers and
employees needs. Employers can provide these additional benefits at their expense, or voluntary
to the employees at their cost. Group Life insurance can provide protection to those employees who
carry no individual life insurance. Group Disability Insurance offers partial income replace-
ment for either a short term (13 or 26 week period) disability, or for a longer period of disabil-
ity. Group Long Term Care Coverage protects employees if the need arises for extended care.
Why can you trust CIA Financial Group to provide you with the best possible Disability
and Life Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you
with the maximum choice of coverages, costs, and benefits for the best price
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
We make it our business to understand your business needs!
We will be your advocates to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Disability and Life Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
GROUP HEALTH INSURANCE
What is Group Health Insurance? Group medical benefits are an essential part of a successful
business. In today’s market you need a medical insurance plan to attract and retain key employees,
but also need to control your costs. Small and large companies with employees enrolling from two or
more employees are eligible for group medical benefits. CIA Financial Group offers HMO (Health
Maintenance Organization), PPO (Preferred Provider Organization), POS (Point of Service), or
Tradition plan options with several carriers. Options include fully and self-insured options using a
TPA (Third Party Administrator). We work closely with employers to build a medical plan with
options of deductible and coinsurance levels and office visit copays, as well as prescription coverage.
CIA Financial Group can customize a medical benefits package that best suits your group’s needs.
Why can you trust CIA Financial Group to provide you with the best possible Group Health
Insurance Policy?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide
you with the maximum choice of coverages, costs, and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
CIA Financial Group works with you to help you establish the best medical
plan for your group.
We review your policy at every renewal to verify you are still receiving the
best coverage for the best price.
We will be your advocates to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to
take care of all of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial
services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Group Health Insurance needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
HEALTH SAVINGS & HEALTH REIMBURSEMENT
ACCOUNTS
What are Heath Savings Accounts (HSA) and Health Reimbursement Arrangements
(HRA)? Health Savings Accounts are designed to provide your valuable employees with the
added ability to pay for medical expenses on a tax-free basis. These plans can be easily established
and allow for both employer and employee contributions. They can even be set-up by individuals
and the self-employed - certainly a viable option for small businesses. What is the best benefit of
all? The added protection to cover your employee in the event of medical emergency while rolling
over the plan holdings from year to year. Like the Health Savings Accounts, Health
Reimbursement Arrangements also roll over from year to year, but only the employer contributions
can be accessed to pay for medical expenses. However, these arrangements are considered to be
group health plans, so they must be in compliance with HIPAA and COBRA.
Why can you trust CIA Financial Group to provide you with the best possible Health
Savings Account or Health Reimbursement Arrangement?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several providers, so we are positioned to help you identify the
right opportunity for you and your employees.
CIA Financial Group agents are licensed by the State of Michigan and
offer comprehensive customer service.
CIA Financial Group works with you to help you establish the best medical
plans for your group.
We review your HSA and HRA plans to ensure your needs are still being met.
We will be your advocates to assure you receive superior claims service.
" Because we offer a wide range of services under one roof, you are able to take care
of all of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial services
very few firms can offer. With a wide range of services, CIA Financial Group is
Your Source for Comprehensive Financial Services.
To discuss your HSA or HRA needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
FLEXIBLE SPENDING ACCOUNTS & COBRA
ADMINISTRATION
What are Flexible Spending Accounts (FSA)? These accounts represent the first form of
Consumer Driven Health Care (CDHC) approved by the Internal Revenue Service. They are
easily established and allow for employees to use pre-tax dollars on an approved menu of healthcare
offerings within the plan. However, the self-employed and individuals are not permitted to estab-
lish these accounts and the assets remaining in the accounts at the end of the plan year are lost.
What is COBRA Administration? All employees participating in a medical benefits plan
are eligible for extended medical coverage at the employee's expense upon employment termina-
tion. Depending on the state, the time permitted varies, but usually between 18 to 24 months.
CIA Financial Group can act on your behalf to allow you to focus attention on the medical
needs of existing employees.
Why can you trust CIA Financial Group to provide you with the best possible Flexible
Spending Account and COBRA Administration?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several providers, so we are positioned to help you identify the
right opportunity for you and your employees.
CIA Financial Group agents are licensed by the State of Michigan and offer
comprehensive customer service.
CIA Financial Group works with you to help you establish the best medical
plan for your group.
We review your FSA plans to ensure your needs are still being met.
We will be your advocates to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take
care of all of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been
providing individuals, families, business owners, and corporate executives
throughout Michigan with professional service and a range of financial services
very few firms can offer. With a wide range of services, CIA Financial Group is
Your Source for Comprehensive Financial Services.
To discuss your FSA or COBRA Administration needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
EMPLOYEE EDUCATION
What is Employee Education? American workers today are faced with a growing number of
retirement plan options, greater diversity among health care plans, and increasing concerns
about retirement and how to plan prudently for it. More than ever they need access to educa-
tional programming that can help answer their questions while providing the employer with yet
another exciting employee benefit. CIA Financial Group is an independent provider of a wide
range of financial services. Because we are an independent, third-party provider, we are able
to provide your employee with objective information on the issue that is most important to them,
their families, and their retirement.
CIA Financial Group proudly offers FREE seminars on the following issues:
401(k) Management
Maximizing Health Benefits
Financial Planning*
Why can you trust CIA Financial Group to provide you with Employee
Education Seminars?
As an independent provider of financial services, we are objective.
We can analyze your current Employee Benefits offerings and develop a seminar to help
communicate those options to your employees.
The CIA Financial Group representative conducting the seminar is accessible by your
employees to have any questions answered.
Employee education seminars are FREE to all companies utilizing CIA Financial Group for
any Employee Benefits Service.
We will schedule in advance a series of seminars to help your employees learn how to max-
imize the benefits available to them.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of
services, CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Employee Education needs today, please call us toll free at
1-888-226-7730 or visit us online at www.ciafg.com.
* Securities offered through Mutual Service Corp. Member FINRA/SIPC
y Services offered through CIA Financial Group, A Registered Investment Advisor.
CIA Financial Group, Inc. and Mutual Service Corporation are separate companies.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
EMPLOYEE BENEFITS SERVICES
SELF-INSURED HEALTH AND PRESCRIPTION
PROGRAMS
What are Self-Insured Health and Prescription Programs? Escalating healthcare costs are
always a concern to employers. A Self-Insured Health Program can help curb those costs
while allowing for greater flexibility on benefits, administration, and funding. Liability is
reduced through these plans by placing a limit on the financial obligation of the employer
through Stop Loss Coverage which kicks in over the designated amount. Self-Insured
Health programs often allow for coverage of dental, prescription drugs, vision and short term
disability. CIA Financial Group can place you and your business in the right plan today!
Why can you trust CIA Financial Group to provide you with the best possible Self-
Insured Health and Prescription Program?
As an independent insurance agent, WE DO THE SHOPPING FOR YOU.
We represent several insurance companies, so we are positioned to provide you with the
maximum choice of coverages, costs, and benefits for the best price.
CIA Financial Group agents are licensed by the State of Michigan and offer compre-
hensive customer service.
CIA Financial Group works with you to help you establish the best Self-Insured Health
and Prescription program for your company.
We review your policies at every renewal to verify you are still receiving the best cover-
age for the best price.
We will be your advocates to assure you receive superior claims service.
Because we offer a wide range of services under one roof, you are able to take care of all
of your insurance needs in one location.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing
individuals, families, business owners, and corporate executives throughout Michigan
with unparalleled service and a range of financial services very few firms can offer.
With a wide range of services, CIA Financial Group is Your Source for Comprehensive
Financial Services.
To discuss your Self-Insured Health and Prescription needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6001 l www.ciafg.com
MORTGAGE & FINANCING SERVICES
MORTGAGES AND HOME LOANS
CIA Financial Group provides our clients with access to mortgages and loans that can be
used to purchase a primary home, second home or investment property. We also proudly
offer refinancing programs for these properties and combination loans can be used to provide
solutions for specific client needs.
CIA Financial Group offers the following Mortgage and Specialty Programs…
First Mortgage Loans Second Mortgage Loans Specialty Programs
Fixed Rate Home Equity Lines Bridge Loans
Adjustable Rate Fixed Rate Term Construction Loans
Interest Only Combination Piggy No-Income Verifier
Deferred Interest Back Loans
No-Income/No Asset
Loans
No Ratio Loans
Stated Loans
Lot Loans
Why can you trust CIA Financial Group to provide you with the best possible
Mortgage or Refinancing Program?
CIA Financial Group is qualified to assess your needs and tailor a mortgage
strategy specifically for you.
We bring the experience and perspective of our various divisions into account when
recommending a Mortgage or Refinancing Program.
Our ability to tap additional resources allows us to consider various factors
other mortgage brokers cannot.
CIA Financial Group brings a broad array of representative banks and mortgage
companies to the table, which enables us to break the confines of a single source lender.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Mortgage and Refinancing needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6002 l www.ciafg.com
MORTGAGE & FINANCING SERVICES
NEW AND USED AUTO, BOAT AND RV LOANS
CIA Financial Group provides our clients with access to loans that can be used to purchase an
automobile, motorcycle, boat, or RV. We also proudly offer refinancing programs for these vehicles
and are capable of helping you identify the best program for you.
CIA Financial Group offers the following Loan and Refinancing Programs…
Automobile Loans Motorcycle Loans Boat Loans
24 - 72 month term 24 - 60 month term
Zero Down Zero Down Recreational Vehicles
Purchase Purchase
Refinance Refinance
Lease Buy-out
Option for no payments
for 90 days
Why can you trust CIA Financial Group to provide you with the best possible Vehicle Loan
or Refinancing Program?
CIA Financial Group is qualified to assess your needs and tailor
a loan strategy specifically for you.
We bring the experience and perspective of our various divisions into
account when recommending a Loan or Refinancing Program.
Our ability to tap additional resources allows us to consider various factors
other loan brokers cannot.
CIA Financial Group brings a broad array of representative banks and financing companies
to the table, which enables us to break the confines of a single source lender.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional
service and a range of financial services very few firms can offer. With a wide range of services,
CIA Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Vehicle Loan and Refinancing needs today,
please call us toll free at 1-888-226-7730 or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6002 l www.ciafg.com
MORTGAGE & FINANCING SERVICES
HOME EQUITY LINES/LOANS
CIA Financial Group provides our clients with access to Home Equity Lines that can be
used for any number of reasons, whether they are used to consolidate debt, perform home
improvements, or simply provide cash for any of life's needs or emergencies. Interest-Only
payments allow for flexibility so clients can preserve capital for other expenses. Some clients
prefer a Fixed-Rate Loan that can be structured for as little as five or as many as 30 years.
These Loans can be used like a home Equity Line, but can also be utilized in the purchase
of a new home.
Why can you trust CIA Financial Group to provide you with the best possible Home
Equity Line/Loan Program?
CIA Financial Group is qualified to assess your needs and tailor a Home
Equity Line/Loan strategy specifically for you.
We bring the experience and perspective of our various divisions into account when
recommending a Home Equity Line/Loan Program.
Our ability to tap additional resources allows us to consider various factors other
mortgage brokers cannot.
CIA Financial Group brings a broad array of representative banks and mortgage
companies to the table, which enables us to break the confines of a single source lender.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional serv-
ice and a range of financial services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Home Equity Line/Loan needs today, please call us toll free at 1-888-226-7730
or visit us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6002 l www.ciafg.com
MORTGAGE & FINANCING SERVICES
BRIDGE FINANCING
So, you have found your dream home and don't want to miss your opportunity to purchase
it, but you have not sold your existing home yet. There is a solution available to you -
Bridge Financing. Bridge Financing allows borrowers to purchase their new home before
their existing home sells. It can provide for the down payment or simply the qualification on
the new home. For terms of up to one year, there is no pressure to sell quickly. Escrowed
payments or interest only payments provide flexibility for the borrower.
Why can you trust CIA Financial Group to provide you with the best possible Bridge
Financing Program?
CIA Financial Group is qualified to assess your needs and tailor a Bridge
Financing strategy specifically for you.
We bring the experience and perspective of our various divisions into account when
recommending a Bridge Financing Program.
Our ability to tap additional resources allows us to consider various factors other mort-
gage brokers cannot.
CIA Financial Group brings a broad array of representative banks and mortgage com-
panies to the table, which enables us to break the confines of a single source lender.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional serv-
ice and a range of financial services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Bridge Financing needs today, please call us toll free at 1-888-226-7730 or visit
us online at www.ciafg.com.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6002 l www.ciafg.com
MORTGAGE & FINANCING SERVICES
CONSTRUCTION FINANCING
Are planning on building the new home of your dreams? Whether you are hiring a builder,
or plan on building it yourself, we have the Construction Financing programs available to
fit your needs. Construction-To-Permanent Financing is available to allow a one-time close
to streamline the process. Interest-only payments throughout the construction term provide
you the cash flexibility to save for other needs. Construction terms of up to one year ease fears
of unforeseen building delays and no "approved builder" lists to contend with clears many
hurdles for your builder.
Why can you trust CIA Financial Group to provide you with the best possible
Construction Financing Program?
CIA Financial Group is qualified to assess your needs and tailor a
Construction Financing strategy specifically for you.
We bring the experience and perspective of our various divisions into account when
recommending a Construction Financing Program.
Our ability to tap additional resources allows us to consider various factors other mort-
gage brokers cannot.
CIA Financial Group brings a broad array of representative banks and mortgage com-
panies to the table, which enables us to break the confines of a single source lender.
For over 30 years, CIA Financial Group in Shelby Township, MI, has been providing individuals,
families, business owners, and corporate executives throughout Michigan with professional serv-
ice and a range of financial services very few firms can offer. With a wide range of services, CIA
Financial Group is Your Source for Comprehensive Financial Services.
To discuss your Construction Financing needs today, please call us toll free at 1-888-226-7730
or visit us online at www.ciafg.com.
Registered Representative offering securities through Mutual Service Corp. Member NASD/SIPC.
Advisory Services offered through CIA Financial Group A Registered Investment Advisor.
45600 Village Blvd. l Shelby Twp., MI 48315 l 586.799.6000 l Fax: 586.799.6002 l www.ciafg.com