TimeCapital Securities Corporation
Form CRS
Client Relationship Summary
Item 1. Introduction
TimeCapital Securities Corporation is registered with the Financial Industry Regulatory Authority (FINRA) and the Securities and Exchange Commission (SEC) as a registered Broker Dealer. We are also a member of the Securities Investor Protection Corporation (SIPC).
Item 2. Relationships and Services
What investment services and advice can you provide me?
We offer brokerage account services directly with select mutual fund companies, annuities and private placement Securities to retail investors. We offer a limited selection of investments. Other firms could offer a wide range of choices, some of which might have lower costs. We must act in your best interest and not place our interests ahead of yours. When making an investment recommendation in a brokerage relationship, the investment professional has an obligation to determine that the recommendation is suitable for the client based on the client’s stated investment objectives, risk tolerance, tax status, and other financial information provided by the client. We do not make investment decisions for you or manage your accounts on a nondiscretionary basis. This means that we will buy or sell securities only when you direct us to do so.
For additional information about our brokerage services, please visit https://brokercheck.finra.org.
Conversation starters to ask your financial professional: Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?
Item 3. Fees, Costs, Conflicts and Standard of Conduct
What fees will I pay?
The fee you pay is based on the specific transaction and/or the value of your account. This fee can be called an agent fee, commission or a sales load, among other terms. Also, with certain investments such as variable annuities, you may have to pay fees such as “surrender charges” to sell the investment. All of these fees reduce the value of your investment. Some investments, such as mutual funds, variable annuities and private placements impose additional fees that will reduce the value of your investment over time.
Additional Information: You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.
How do your financial professionals make money?
Our compensation is based on the revenues we generate from the sale of products.
Conversation starters to ask your financial professional: Help me understand how fees and costs affect my investments. If I give you $10,000 to invest, how much will go to fees and how much will be invested for me? What are your legal obligations when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? How might your conflicts affect me, and how will you address them?
Item 4. Disciplinary History
Our firm has legal or disciplinary history. Visit www.investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.
Conversation starters to ask your financial professional: As a financial professional, do you have any disciplinary history? For what type of conduct?
Item 5. Additional Information
You can find additional information about our firm and its advisory services, by visiting www.investor.gov/CRS for a free search tool. Please feel free to call us at 631-331-1400 or visit www.timecapital.com to request a copy of our Customer Relationship Summary.
Conversation starters to ask your financial professional: Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?