At ING Financial Advisers we recognize that investment professionals are interested in working with a company that offers a total package that will help leverage your business for success. You'll be proud to affiliate with a world leader and can count on being treated like a valued partner.

We understand your need for independence and your desire to affiliate with a trusted name that offers exceptional value and service. Our commitment is to help you leverage our resources to help you get to the next level.

Retirement Services
The ING family of companies are one of the nation's leading providers of defined contribution retirement plans in the Education market, and holds a top 3 position in the Corporate, Healthcare, Not-For Profit and Government market as well.

ING Financial Advisers, the Defined Contribution Broker/Dealer of ING, provides retirement programs to employers in the Corporate, Government, Healthcare, Not-For-Profit and Education markets. In addition to a wide variety of programs, we have the marketing materials, client services, and educational seminars to support these business lines.  

  Corporate - Our comprehensive product continuum spans all market segments so you can tailor a retirement plan solution to best meet your clients' needs.

  Government - our government clients include towns, states, governmental agencies and municipalities.

  Healthcare - hospitals and healthcare providers comprise this market.

  Not-For-Profit - 501(c)(3) organizations fall into this category

  Education - The K-12 and higher education markets are a key focus for ING, we have a wide variety of product offerings and support   services to help you.

ING Financial Advisers also offers personal retirement products (such as IRAs and Rollovers) in addtion to employer sponsored retirement plans. ING is one of the countries leading providers of employer sponsored retirement plans with over 50,000 employers entrusting over $314.8 billion dollars to us to manage for their employees.

Investment Advisory Programs

As an SEC Registered Investment Advisor, ING Financial Advisers, LLC (IFA) offers a wide array of Investment Advisory Programs, which Investment Advisor Representatives (IARs) can use to provide financial and investment advice, covering a wide range of financial objectives and risk tolerances, to assist clients in meeting their financial goals. IARs manage client relationships in the Investment Advisory Programs and will assist clients in completing a risk tolerance questionnaire and other documentation to match the client with a risk-based portfolio that is consistent with the client's investment objectives and risk tolerance. IARs will meet at least annually with clients to asses the continued appropriateness of the Investment Advisory Program and the specific investments selected for the client.

Investment Advisory Programs offered by IFA include the following: 

 ING Choice Advisory: a fee-based advisory service that offers investors a personalized investment analysis and ongoing advice. IFA's Investment Selection Committee selects the mutual funds within each risk-based client portfolio and reviews the portfolios periodically, providing the client's IAR with alerts regarding suggested changes to portfolios.

 ING Wealth Management: a fully discretionary investment advisory program. IFA partnered with 2 highly recognized and respected names in the industry; ING Investment Management (IIM), an affiliate of IFA, and Ibbotson Associates to build this program. IIM develops the model portfolios and Ibbotson, a Registered Investment Advisor will perform the investment analysis, provide fund selection based on their proprietary methodology, and monitor and review those funds. Changes to the models by IIM and/or the recommended funds by Ibbotson are executed automatically on the client's behalf.

 ING Wealth Management Tax Sensitive: a fully discretionary investment advisory program is similar to ING Wealth Management. However, IFA identified a need for an Investment Advisory Program that is designed to manage a client's non-qualified assets while attempting to minimize the tax liability to clients. Also, unlike the ING Wealth Management program, Ibbotson both develops the model portfolios and researches and recommend funds. Changes to the models /or the recommended funds by Ibbotson are executed automatically on the client's behalf.

 ING Momentum ETF Strategies: a fully discretionary investment advisory program, will invest solely in Exchange Traded Funds (ETFs). In this program Ibbotson Associates develops asset allocation models and provides investment research and selection for each risk-based portfolio. The portfolios are reviewed monthly to attempt to take advantage of market movements by overweighting market sectors that Ibbotson expects to perform more favorably than others and underweighting market sectors that Ibbotson expects to perform less favorably (this monthly review may generate transactions on a monthly basis; therefore, this program may not be appropriate for conservative, "buy and hold" investors). Changes to the models or the recommended ETFs by Ibbotson are executed automatically on the client's behalf. 

 SAS Select: a non-discretionary managed account program, which provides flexibility, customization and personalized service to clients. The IAR is responsible for developing the asset allocation, selecting the investments and ongoing monitoring of the portfolio.

 Curian Capital: a Registered Investment Advisor which offers a separately managed account program to clients. This program provides a client with a fully diversified portfolio made up of general and fixed income securities. This program is managed by portfolio managers hired by Curian Capital. The asset allocation received for the client will be managed by Curian's portfolio managers and the portfolio managers have full discretion over the account.

Brokerage Accounts
Through partnership with our clearing firm, Pershing LLC, ING Financial Advisers provides comprehensive brokerage execution, clearance, data processing, and investment products/services to our representatives. By offering brokerage services, representatives may give their clients the convenience of stocks, bonds and mutual funds in one portfolio with consolidated reporting that the representative maintains control over. To meet the needs of your clients, we offer a wide variety of mutual funds. In addition to a full menu of ING Funds, we have selling agreements with hundreds of the industry's leading fund families.

Financial Planning
ING Financial Advisers has the tools you need to offer financial planning services to your clients. For a fee, clients can choose to have financial plans prepared for them, or they can choose from a variety of modules to choose from. Modules include asset accumulation, estate planning or retirement planning.

ING Insurance Services, Inc.
ING Insurance Services, Inc. provides direction and focus to ING Financial Advisers, LLC distribution representatives in the selection of suitable insurance products for their clients. These products include life insurance, annuities (fixed and variable), long-term care, disability and health insurance. ING Insurance Services, Inc. performs due diligence analysis and negotiates selling agreements with selected insurance and annuity companies as well as established TPA's. This allows us to provide competitive products, compensation and services to ING Financial Advisers representatives. ING Financial Advisers acts as principal to ensure all licensed members comply with Securities Exchange Commission, (FINRA) and insurance requirements as they relate to variable sales. The following are additional attributes that define the ING Insurance Services, Inc. mission:

 Provide business processing, contracting and commission support.

 Provide access to tax and insurance experts who specialize in financial planning, estate planning and charitable giving through strategic alliances with TPA firms and our companies.

 Maintain an open forum where representatives are encouraged to participate in the creation and implementation of agency operating procedures. 

ING Annuity Companies:
ING USA Annuity and Life Insurance Company, ING Life Insurance and Annuity Company, ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York.

ING Life Group Companies:
ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York and Security Life of Denver

Other Top Carriers:
The Hartford Life and Annuity Insurance Company, Nationwide Life Insurance Company, Pacific Life Insurance Company, AXA Equitable Life Insurance Company, Prudential Financial and John Hancock Insurance and Financial Services.

General Agencies:
General Agencies (TPAs) act as distribution wholesalers for a wide variety of companies. They provide business processing support along with sales and marketing support. ING Insurance Services has partnered with such companies as Crump, Brokers' Service Marketing Group, Specific Solutions, and Marsh Private Client Services.

Sales Support
ING Financial Advisers has a dedicated staff to help your marketing, communications and support needs every day. As a member of our Broker/Dealer, you will be provided with the same high level of support that your customers expect from you. Our representatives are what drive our business, so we are here to make your job as easy as possible.