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Independent Firm

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As an independent representative, once we have developed a plan for you, we have the ability to go to many companies and products to put your plan in place. We are not tied to a certain company as a captive agent or advisor would be that would limit us to only certain products.  Our job as the advisor is to make the financial plan that was decided upon to work as efficiently as possible. Having many different companies and their financial tools to choose from makes it easier to work toward your desired goals. Thus, as the advisor, we work for you, the client, and not a particular company.

Walter Barnes is a registered non-solicitor of, and David (Randy) Barnes is an investment adviser representative of, and securities and advisory services are offered through, USA Financial Securities Corp., Member FINRA/SIPC. www.finra.org A Registered Investment Adviser located at 6020 E Fulton St., Ada, MI 49301. Insurance and Investment Consultants, Inc. is not affiliated with USA Financial Securities.

David (Randy) Barnes is authorized to transact securities-related business and investment advisory services only in states where he is properly registered. For investment products and services these states include: AL, FL, KY, NC, TN. For investment advisory services these states include: AL, KY, MS. Clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation.

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