Disclosures

Essex Financial Services, Inc., member FINRA, SIPC, is a subsidiary of Essex Savings Bank. Investment Products offered by Essex Financial Services, Inc. member FINRA, SIPC are not a deposit of, or obligation of, or guaranteed by Essex Savings Bank, or an affiliate of the Bank, are not insured by the FDIC or any other agency of the United States, the bank, or an affiliate of the bank and involve investment risk, including the possibility of loss of principal.

Business Continuity
Firm Brochure
Privacy
Order Routing
Pershing Fee Schedule
Security

 

Business Continuity

ESSEX FINANCIAL SERVICES, INC.‘S BUSINESS CONTINUITY PLANNING
Essex Financial Services, Inc. has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us
If after a significant business disruption you cannot contact us as you usually do at 860-767-4300 or 800-900-5972, you should call our parent company, Essex Savings Bank at 860-767-4414 or go to our web site at www.essexfinancialservices.com.

If you cannot access us through any of those means, you should contact our clearing firm, Pershing LLC, at 201-413-3635 or www.Pershing.com for instructions on how it may process limited trade-related transactions, cash disbursements, and security transfers. Instructions to Pershing must be in writing and transmitted via facsimile or postal service as follows:

Pershing LLC
P.O. Box 2065
Jersey City, New Jersey 07303-2065
Fax: (201) 413-5368
If you cannot access the instructions from the web site or previously noted telephone number, Pershing may be contacted at 213-624-6100 extension 500 as an alternate telephone number for recorded instructions.

If your investments with Essex Financial Services are held directly at a mutual fund company or at an insurance company, you may call them directly by utilizing the toll-free number found on your most recent statement.

Our Business Continuity Plan
We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

Our clearing firm, Pershing LLC, backs up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, we have been advised by our clearing firm that its objective is to restore its own operations and be able to complete existing transactions and accept new transactions and payments within four hours. This recovery objective may be negatively affected by the unavailability of external resources and circumstances beyond our control. Your orders and requests for funds and securities could be delayed during this period.

Varying Disruptions
Significant business disruptions can vary in their scope, such as only our firm, the building housing our firm, the business district where our firm is located, the town where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or the building housing our firm, we will transfer our operations to local sites when needed and expect to recover and resume business within three hours. In a disruption affecting our business district, town, or region, we will attempt to transfer our operations to a site outside of the affected area, and recover and resume business within six hours. In either situation, we plan to continue in business, transfer operations to our clearing firm if necessary, and notify you through our web site www.essexfinancialservices.com or our toll-free number 800-900-5972 as to how to contact us. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.

For more information
If you have questions about our business continuity planning, you can contact us at 800-900-5972 or info@essexfinancialservices.com. If you are experiencing difficulty reaching us and believe we may be the subjects of a severe business disruption, click here for more details.

Firm Brochure

(Part 2A of Form ADV) July 22, 2016

This Brochure provides information about the qualifications and business practices of Essex Financial Services, Inc. If you have any questions about the contents of this Brochure, please contact us at (860)-767-4300 or via email at info@essexfinancialservices.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any State securities authority.

Essex Financial Services, Inc. is a registered investment adviser. Registration of an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser.

Additional information about Essex Financial Services, Inc. also is available on the SEC’s website at www.adviserinfo.sec.gov.

To view the current brochure Firm Brochure click here.

Privacy

Please click here to view the Essex Financial Services, Inc Privacy Policy.

Order Routing

Essex Financial Services, Inc. submits all equity orders to its clearing firm, Pershing LLC, for execution. Essex Financial Services, Inc. receives no payment for directing order flow to Pershing LLC.

SEC Rule 606 (formerly SEC 11Ac1-6)
Disclosure of Order Routing Practices

Pershing LLC (“Pershing”) has provided the data on this website on behalf of your introducing financial organization. The data represents only those orders that have been routed by your introducing financial organization through Pershing for execution. Although Pershing has used commercially reasonable efforts to provide accurate information, the data is provided to you on an “as is” basis. PERSHING SPECIFICALLY DISCLAIMS ALL WARRANTIES EXPRESS OR IMPLIED WITH RESPECT TO THE INFORMATION, INCLUDING SPECIFICALLY, BUT NOT EXCLUSIVELY, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU AGREE THAT PERSHING SHALL NOT HAVE ANY LIABILITY FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL OR DIRECT DAMAGES FOR ANY ACTION OR INACTION WHICH YOU MAY TAKE AS THE RESULT OF THE DATA, WHETHER AS A RESULT OF ANY CLAIM SOUNDING IN CONTRACT OR ANY OTHER THEORY OF LIABILITY.

Please click here to view order execution detail for Essex Financial Services, Inc

Pershing Fee Schedule

Please click here to view Pershing Fee Schedule information for Essex Financial Services, Inc.

Security

If you have a concern regarding identity theft or wish to report a suspicious e-mail, please contact us at 860-767-4300 or Toll Free at 800-900-5972. You may also contact the Federal Trade Commission Hotline at 1-877-IDTHEFT.

Essex Financial Services Inc., Member FINRA, SIPC does not endorse or guarantee the products, information or recommendations provided by third parties and is not responsible if you download a file from the web that may include a virus.

Contact

860-767-4300

Highlights

Michael LaRiviere earns Certified Financial Planner Designation

Michael LaRiviere earns Certified Financial Planner Designation
Read the Press Release

David LaMay's Legacy of Giving

A life-long resident of Old Saybrook, David LaMay believes in giving back to his community. Courtesy of The Harbor News November 2, 2016

Financial Times Recognizes James Sullivan, AIF®

James Sullivan Named to 2016 Financial Times 401 Top Retirement Plan Advisers
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EFS Gives Back

Essex Financial Services Employees Send Deep River Child to Camp Rising Sun Courtesy of The Valley Courier Sept. 1, 2016