North Star Resource Group is ranked the 4th
Largest Financial Services Firm
among GAMA members December 2009

The people at the North Star Resource Group companies are thoroughly committed to helping improve the long-term financial well-being of individuals and businesses.

Following are the three affiliated companies, North Star Consultants, Inc., CRI Securities, LLC and North Star/OT, LLC, that operate under the name North Star Resource Group. Also listed is Securian Financial Services, Inc., an affiliate of CRI Securities, LLC. Through North Star Resource Group, we're able to offer our clients a comprehensive range of financial resources, as well as advice and expertise of some of the best financial professionals in the industry:

North Star Consultants, Inc., the insurance brokerage firm, offers alternatives for your business and individual financial needs.

CRI Securities, LLC and Securian Financial Services, Inc.offer securities and investment advisory services including a wide range of investment products and fee-based planning, high-level financial analysis and asset management services.

North Star/OT, LLC, the tax preparation division, offers convenient, coordinated, and cost effective tax preparation services for North Star clients.

Corporate Headquarters:
North Star Professional Center · 2701 University Ave. S.E.
Minneapolis, MN 55414-3238
General: 612/617-6000 · Fax: 612/617-6001

The information contained on this site is intended only for residents of states in which the four listed companies above are licensed to conduct business. This information can be found under "Products & Services" where each of these firms is discussed. In addition, not all of our advisors are licensed or registered with each of the four entities. For that reason, we ask that you contact the North Star office nearest you for licensing and registration information on the advisor you'd like to work with.

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Financial Products & Services

North Star Consultants, Inc.

Through North Star Consultants, Inc., the insurance brokerage firm, we offer alternatives for your business and individual financial needs.

• Business Insurance Products and Strategies
• Retirement Programs/Pension Plans
• Individual Insurance
• Fixed Annuities
• Employee Benefits Programs
• Long Term Care Insurance

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CRI Securities, LLC

Through CRI Securities, LLC, a broker-dealer and member FINRA/SIPC, registered representatives provide a variety of securities products.

• A Broad Range of Investment Options
• Stock and Bond Brokerage Services

• Variable Annuities and Life Insurance

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CRI Securities, LLC and Securian Financial Services, Inc.

Through CRI Securities, LLC and Securian Financial Services, Inc. registered investment advisors, we offer fee-based financial planning services, investment advisory and asset management services, as well as financial seminars and workshops. Fee-based planning is typically used for more complex financial situations, or at a client's request. Our services are tailored to address the specific circumstances of our clients and can include:

• Comprehensive, Written Financial Plans for Individuals and Businesses
• Specialized Problem Solving and Analysis of Specific Complex Financial Issues
• Investment Advisory Services
• Seminar Services

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North Star/OT, LLC

Through North Star/OT, LLC, the tax preparation service, we offer convenient, coordinated, and cost effective tax preparation services for North Star clients. If you are like most clients, you are busy and probably unsure as to how all the new tax law changes will impact your own tax return. We believe by offering this service to you through North Star, we can coordinate this service with your other financial programs and relieve you from the all too typical tax preparation “burden”— all at a very competitive cost.

• Three (3) Levels of Tax Preparation Service
• Form M1PR Property Tax Refund Schedules will also be offered along with electronic filing. In addition, schedules for Education Credits, Child Care Credits, Moving Expenses, Adoption Credits, etc., will be offered.
• Services for special issues such as purchase and/or sale of a home, real estate rentals, and tax withholding.
• Electronic filing

Click here to request an Income Tax Information Gathering Form! (Please include your name, address, and phone number)

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Through North Star Consultants, Inc., the insurance brokerage firm, we offer alternatives for your business and individual financial needs.

Business Insurance Products and Strategies

1. Key Person Insurance
2. Split Dollar Insurance
3. Overhead Expense Insurance
4. Disability Buyout Insurance
5. Funding of:
1. Executive Compensation Agreements
2. Stock Purchase Agreements
3. Business Continuation Programs
4. Deferred Compensation Strategies
5. Salary Continuation Programs
6. Buy/Sell Funding Agreements

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Retirement Programs/Pension Plans

1. Defined Contribution Plans
1. Money Purchase Pension
2. Profit Sharing
3. 401(k) Plans
2. Defined Benefit Plans
3. Simplified Employee Pension (S.E.P) Plans
4. IRAs
1. Traditional
2. SIMPLE
3. Education (Coverdell Educational Savings Account)
4. Roth

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Individual Insurance

• Life
• Disability
• Health Care

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Fixed Annuities

• Flexible Payment Deferred Annuities
• Single Payment Deferred Annuities
• Immediate Annuities

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Employee Benefits Programs

1. Products:
1. Medical Insurance
1. Fully Insured
2. Self Insured
3. MSA (Medical Savings Accounts)
2. Dental/Vision Insurance
3. Short and Long Term Disability Insurance
4. Payroll Deduction Plans
2. Services:
1. Design and Implementation of Cafeteria Plans/Flexible Spending Accounts
2. COBRA and HIPAA Administration
3. Consolidated Billing
4. Online Human Resource, Benefit Administration, Safety, Risk Management and Payroll Services

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Long Term Care Insurance

1. Individual Plans
2. Group Plans
1. Employer Sponsored Individual (ESI) Plans
2. True Group
3. Comprehensive Awareness Program providing individual groups with long term care education, including:
1. Informational articles, guides and brochures
2. Workshops and seminars
3. "1-888" help line
4. Objective analysis of individual and group insurance plans
5. Personal consultations

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Through CRI Securities, LLC, a broker-dealer and member FINRA/SIPC, registered representatives provide a variety of securities products.

A Broad Range of Investment Options

• Money Market Accounts
• Corporate Cash Accounts
• Government Securities Funds
• Corporate Bond Funds
• Balanced Funds
• International Funds
• Growth/Equity Funds
• Sector/Specialized Funds
• Tax-Exempt Funds
• Unit Investment Trusts

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Stock and Bond Brokerage Services

Our advisors who are Series 7 registered offer:

• Listed Securities
• Over-the-Counter Issues
• Corporate Bonds
• Government Bonds and Treasury Bills
• Municipal Bonds
• Certificate of Deposit

CRI Securities, LLC, Member FINRA/SIPC, is registered to conduct securities business in: Arizona, California, Florida, Georgia, Iowa, Illinois, Mississippi, Minnesota, Montana, North Dakota, South Dakota, Texas and Wisconsin.

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Variable Annuities and Life Insurance

• Through Securian Financial Services, Inc., an affiliate of CRI Securities, LLC, our associates offer Variable Annuities (both deferred and immediate) and Variable Life Insurance. Securian Financial Services is not an affiliate of North Star Consultants, Inc. or North Star/OT, LLC. Securian Financial Services, Inc., Member FINRA/SIPC, is registered to conduct business in all 50 states.

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Comprehensive, Written Financial Plans for Individuals and Businesses

Specialized Problem Solving and Analysis of Specific Complex Financial Issues

• Insurance Needs Analysis
• Retirement Income Planning
• Tax Planning¹
• Education Funding
• Cash Flow/Budget Analysis
• Mortgage Analysis
• Personal Estate Planning including Analysis of Strategies for Estate Tax Minimization¹
• Investment Needs Analysis and Managed Asset Planning
• Business Planning including Business Continuation and Succession Planning, and Qualified and Non-Qualified Employee Benefits

¹Specific tax and legal consequences should be verified by your tax advisor and legal counsel.

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Investment Advisory Services

• Fee-based Asset Management
• Private Account Management

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Seminar Services

• Financial Planning Workshops
• Educational Employee Benefit Programs

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Three (3) Levels of Tax Preparation Service

• Short Form – 1040A or 1040EZ
• 1040 with Schedules A, B, simple Schedule D.
• 1040 with Schedules A, B, simple Schedule C (revenue only, such as moonlighting income for physicians), and complex Schedule D.

Form M1PR Property Tax Refund Schedules will also be offered along with electronic filing. In addition, schedules for Education Credits, Child Care Credits, Moving Expenses, Adoption Credits, etc., will be offered.

Services for special issues such as purchase and/or sale of a home, real estate rentals, and tax withholding.

Electronic filing

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General Employer Information

With 5 million working age Americans receiving long term care & another 14 million providing it to elder friends or loved ones, can you afford not to take this issue seriously?

• Are My Employees At Risk Of Long Term Care?
• Can Eldercare Really Devastate My Business?
• Can Long Term Care Insurance Really Help?
• Who Do I Turn To For Advice?
• An LTC Insurance Plan designed to meet the needs of your group

Are My Employees At Risk Of Long Term Care?

Yes! Today, of those receiving long term care services, 40% or 5 million are working age Americans.¹ In addition, 1 in 5 people over the age of 50 are at risk of needing long term care within the next 12 months.² What most employers often fail to realize, however, are the hidden risks and costs associated with eldercare. That is, employees who are pulled away from their work responsibilities to care for an elder friend or loved one.

Can Eldercare. Really Devastate My Business?

In 1997, 25% or 22.4 million households reported having at least one person providing care to an elder friend of loved one. Of those, 65% or14.4 million reported being employed.³ In addition, by the year 2002, 40% of employees expect to have eldercare responsibilities.⁴ By 2008, the year the first baby boomers reach 65, 54% of Americans expect to have caregiver responsibilities.⁵

Even more frightening is the cost associated with lost productivity due to eldercare services as shown in the chart above.

Can Long Term Care Insurance Really Help?

Absolutely! Long term care insurance addresses two fundamental issues associated with eldercare: 1) care planning and 2) financial and emotional stress. The result, "peace of mind" which translates into better morale and greater productivity.

Long term care insurance also comes with attractive tax advantages to employers and employees alike. In addition, because most of the administration is done by the insurance carrier or general agency, the investment you make in offering this new and much needed benefit will be nominal!

Who Do I Turn To For Advice?

Because long term care insurance can be offered as either a group or individual plan through an employer, the choices you have are many. Therefore, take the time to consult a group long term care insurance specialist who can carefully explain all your options.

An LTC Insurance Plan designed to help meet the needs of your group

North Star has the tools to help you identify and design the appropriate LTC insurance plan for your group! We offer:

1. A Dedicated Division For Group LTC Insurance
2. A Comprehensive Awareness Program To Help Educate Employees On Long Term Care including:
1. Surveys, Guides, Brochures, Articles, and Stuffers
2. On-Site Workshops With Personal Consultations
3. A "1-888" Help Line
3. Objective Analysis Of Group LTC Insurance Plans
4. An "Individual" & "True Group" Approach To Plan Design

¹ "Long Term Care: Diverse, Growing Population Includes Millions of Americans of All Ages," General Accounting Office, 1994
² Harvard Louis Harris Survey, 1995
³ National Alliance for Caregiving/AARP Survey, 1997
⁴ "Work/Life Programs Target All Employees," Employee Benefit Plan Review, 1997
⁵ National Partnership For Women & Families Opinion Poll, 1998

Prospective Agent Information

Your clients may never need long term care. If they do, however; is "self-insuring" really the answer?

A Full Service Team of Professionals to Help Meet all your LTCi Marketing Needs.

North Star Consultant's unique organizational structure serves as a powerful resource to provide financial strategies to help meet your clients' total financial picture. With this in mind, North Star's LTCi (Long Term Care Insurance) team of professionals offers you some of the best marketing support for Long Term Care Insurance. We provide a wide range of services and products to help meet all of your LTCi marketing needs.

• Marketing Services
• Our Commitment To Our Associates
• Companies Available Through North Star's Long Term Care Insurance Division