The Advisor Group USA, LLC is truly independent. We have a much broader choice of which companies we work with, ultimately giving us the ability to provide you, the client, with the best option. We are not locked into using company x or product x, as most companies in America are. A good comparison would be a mortgage broker- who has the ability to choose from many programs for lending, whereas a bank must use their own in-house lending, which- if you've ever bought a house- then you know there can be a big difference in one mortgage option over another.The same example applies to us. We are able to "shop around for the best deal." Whether you need a life insurance policy, annuity, or long term care- we use a network of companies around the globe to help us fulfill that need so that you end up with the best product for your situation.Being truly independent, we are also able to create our own programs- based on what we find out there in the market. Many of our clients have never heard of the techniques we are able to offer- and even when they go back to their financial planner- he is usually surprised at what we are able to do.Please contact us with any questions you have.