Paradigm Equities Regulation Best Interest Disclosure Documents

Fairway Disclosure Documents

Communications Disclosures

Securities are offered through Paradigm Equities, Inc. a wholly owned subsidiary of MEA Financial Services.   Paradigm Equities, Inc., Member FINRA/SIPC 1216 Kendale Blvd., East Lansing, MI 48823

Investment Advice offered through Fairway Investment Group, LLC – a Michigan Registered Investment Advisor.  Fairway Investment Group, LLC is a wholly owned subsidiary of MEA Financial Services.

Messages contain information from MEA Financial Services/Paradigm Equities, Inc./Fairway Investment Group, llc. which is confidential and privileged. E-mails, text messages and any files transmitted with them are confidential and intended solely for the use of the individual or entity to which they are addressed. If you are not the intended recipient, refrain from any disclosure, copying, distribution or use of this information and note that such actions are prohibited. If you have received this E-Mail in error, please notify the sender by E-Mail at the address shown and delete the original from your system.

Please note that trade instructions received via voicemail or email will not be honored as a timely response cannot be guaranteed. To help protect your privacy, we also recommend that you avoid sending sensitive information, such as account numbers and social security numbers, via email.

Pursuant to the Bank Secrecy Act, the USA PATRIOT Act, FINRA regulations and similar laws, any communication in e-mails or texts are subject to regulatory, supervisory, and law enforcement review.

FINRA Public Disclosure Program

Paradigm Equities, Inc. is a registered member of the Financial Industry Regulatory Authority (FINRA). FINRA has a public disclosure program which allows the public to obtain current regulatory information about FINRA member firms and registered representatives.

An investor brochure containing information about this program is available from FINRA. For an information description of this program contact FINRA through its Public Disclosure toll-free line a 1-800-289-9999 or through their website

Investment Advisor Public Disclosure

Fairway Investment Group, llc., is a Michigan Registered Investment Advisor (RIA). The Securities Exchange Commission (SEC) has a public disclosure program which maintains a database of registration documents filed by investment adviser firms that register electronically using the Investment Adviser Registration Depository (IARD).

IAPD also contains registration information filed with the states by individuals acting as investment adviser representatives. Information concerning investment adviser firms no longer registered with the SEC or states is made available on IAPD for 10 years.

To visit the Investment Adviser Public Disclosure site click here: IAPD

529 Plans

Paradigm Equities, Inc. is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB).

There is an investor brochure available to you on the MSRB website at that describes the protections available that may be provided by the MSRB rules and how to file a complaint with an appropriate regulatory authority.

The State of Michigan, through the Michigan Department of the Treasury offers a 529 Michigan Education Savings Program.

Michigan Income Tax Deduction

Accounts contributed by a Michigan taxpayer to Michigan Education Savings Program accounts during the tax year, less the amount of any qualified withdrawal from those accounts during the tax year, is deductible from Michigan adjusted gross income in an amount not to exceed $5,000 for a single return or $10,000 for a joint return for that tax year. Amounts transferred from or contributed to another 529 college savings account plan are not eligible for the Michigan income tax deduction.

One of the 529 plans sold by Paradigm Equities is considered an out-of-state program and does not qualify for tax benefits offered by the State of MI. Individual States provide different benefits for 529 College Savings Plans.  Please consider, before investing, whether your or your designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s qualified tuition program.


Choosing the right college savings plan is an important decision. Make sure the plan you choose provides those features and benefits that are best suited to your risk tolerance, income, investment style and investment goals. Remember, state tax deduction is only one variable to consider when investing in a college savings program, other items to consider should include: the variety of investment options, self-managed vs. pre-programmed investment options, the maximum contribution limit, contribution flexibility, investment fund performance, the program’s fees and charges, web-based planning tools, customer service, account access and transfer and distribution options.

Please consult with your financial advisor or tax consultant to determine if the benefits and features of this 529 College Savings Program or any other college savings program apply to your specific circumstances and goals.

Investments in the 529 plans are subject to market risk and there is no guarantee that funds will be sufficient to cover all college costs.

An investor should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing.

More information about municipal fund securities is available in the issuer’s official statement. The official statement should be read carefully before investing. To obtain an official statement, please contact MEA Financial Services at 800-292-1950.

The 529 plan sold by Paradigm Equities, offers an option to invest in a government money market fund.  You could lose money by investing in this investment option. Although this particular money market fund in which your investment option invests seeks to preserve its value at $1.00 per share, the underlying fund cannot guarantee it will do so. An in vestment in this investment option is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund’s sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support to the underlying fund at any time.

External Links

Links from this web site to web sites outside the MEA Financial Services, Inc. and Paradigm Equities, Inc. are for the convenience of the user. Such links do not constitute an official endorsement or approval of any private sector web site, product or service. For links available from this site, MEA Financial Services, Inc. and Paradigm Equities, Inc. does not warrant or assume any legal liability or responsibility for the availability, content, accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed.

We make no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site.

When you access one of these sites, you assume total responsibility and risk for your use of the sites to which you are linking.

Information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

IRA/Mutual Funds/Variable Annuities

As an educational employee in Michigan retirement, death, disability or separation from service permits 403(b) plans to be rollover to other retirement accounts such as a traditional IRA. Our knowledgeable Financial Services Representatives can help you evaluate your current plan and assist you in the rollover process if appropriate.

For more complete information about funds including a fund’s objectives and risks, and its charges and expenses, please call 1-800-292-1950 for a product prospectus. Please read the prospectus and carefully consider the investment objectives, risks and charges and expenses and other information before investing because these factors will directly affect future returns.

Guarantees and/or payments are based on the claims-paying ability of Issuer and not on the value of the securities within the account.

Any hypothetical example is not intended to be indicative of any specific investment. Hypothetical results are for illustrative purposes only and are not intended to represent the past or future performance of any specific investment.

MEA Financial Services/Paradigm Equities, Inc. does not give tax or legal advice. The comments regarding the law and tax treatment simply reflect our understanding of current interpretations of such laws. Since laws are always subject to interpretation and possible changes, we recommend that you seek the counsel of an attorney, accountant or other qualified tax advisor regarding these matters as it applies to your particular situation. Many tax provisions are scheduled to expire in 2006 through 2010 unless extended or made permanent by Congress.

Investments in the Mutual funds are subject to market risk which may cause value to fluctuate including loss of principal.

Variable Annuities are subject to market risk which may cause value to fluctuate including loss of principal for variable accounts.

Please read the offering statement and participation agreement and carefully consider the investment objectives, risk and expenses before investing or sending money.