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Five Points Financial Services

What Is Investment Risk?

How different types of risks can adversely affect your investments

Securities offered through American Portfolios Financial Services, Inc. ("APFS"). Member FINRA / SIPC. Investment advisory services offered through APFS Wealth Management, Inc DBA Novem Group. ("Novem Group"), a SEC Registered Investment Advisor. Insurance/fixed annuity products are offered through Five Points Bank Insurance Agency (License # 0100173825). Five Points Bank, Five Points Financial Services, APFS & Novem Group are separate entities. Only Five Points Bank and Five Points Financial Services are affiliated.

The representatives associated with this website may discus and/or transact securities business only with residents in sates and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all investments and services mentioned are available in every state. Investors outside the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local American Portfolios office for information and availability.

The representatives associated with this website are not legal or tax advisors. Please consult your tax or legal advisor for more information regarding your personal situation. Registered offices located in Grand Island, NE and Kearney, NE.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Investment, Annuity, and Insurance products are:

NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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