Osaic Financial Consultants

Investment and Insurance products and services are offered through OSAIC INSTITUTIONS, INC. (“Osaic”), Member FINRA/SIPC. Apple Bank has entered into an arrangement with Osaic to provide insurance, brokerage, and investment advisory services to customers. ABS Associates is a trade name and does not refer to a separate entity. Osaic is not affiliated with either entity. Products and services made available through Osaic are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

Any tax information provided on this website or by any of our Financial Consultants is general, intended for convenience only and may not apply to your situation. It is necessarily incomplete and does not constitute tax advice. Before relying on any such information, you should consult with your tax advisor. Neither Apple Bank, ABS Associates of New York, Inc., nor Osaic Institutions, Inc. make any warranties and are not responsible for your use of this information.

All guarantees are by the issuing insurance company and are subject to the claims paying ability of the insurance company.