Investment Advisors

Long-term financial planning is a critical part of anyone's planning for tomorrow. Ensuring that your wealth is invested wisely and growing effectively is important to making sure that you can retire when you are ready.

BayLands Federal Credit Union is a full-service financial cooperative offering basic financial services to its members including savings, checking, consumer loans, and mortgage loans. In order to provide the best available long-term financial planning and wealth management, BayLands has partnered with MICG Investment Management based in Newport News, Virginia.

MICG is a comprehensive Wealth Management Firm founded on the principles of providing superior investment advice and exceptional service to its clients. Currently with 10 branch offices from Richmond to Virginia Beach, MICG has become one of the fastest growing consulting firms in the Mid-Atlantic region. MICG is a fully licensed Broker Dealer (BD), Registered Investment Advisor (RIA), and Insurance Agency.

As an independent wealth management firm, MICG is under no obligation to endorse proprietary products or services, so the advice and recommendations you receive are free from potential conflicts of interest and designed to be in the client’s best interest. Because our accounts are carried by First Clearing, LLC, MICG’s clients are entitled to special benefits including, but not limited to unique fee-based professionally managed portfolios and extensive, sophisticated equity and market research. Relevant, meaningful investment recommendations are guided by time-tested methodology and disciplined investment principles.

Services offered by MICG Investment Management include:
	No-Cost and No-Obligation Consultation and Review
	Expertise in retirement programs, including self-directed and Roth IRAs, IRA rollovers, and Simplified Employee Pensions (SEP)
	Asset-allocation strategies to properly balance your portfolio to reflect your need for growth or income
	Education-funding analysis to estimate the funds you will need to send your children or grandchildren to college
	Lending services, including mortgages, home-equity lines and loans, and solutions for your small businesses
	Financial Planning
	Estate Planning
	Strategy Plus Asset Allocation
	College Planning
	Retirement Plan Services

MICG Investment Management Representative

Kenneth C. Price Regional Vice President As MICG Investment Management's Regional Vice President, Richmond, Ken not only works with MICG clients; but is also the financial services representative for Richmond FCU Financial Services, LLC (RFFS), Premier Financial, LLC, and Partners Financial Services. Ken works closely with individual and corporate clients to provide an array of financial services. Ken makes it possible for the credit unions to offer managed portfolios, in-depth financial planning, corporate financial management, as well as insurance, lending, and trust services. Ken's goal is to educate clients and walk them through every step involved in their financial planning. Providing extensive services to MICG Investment Management clients as well as credit union clients, Ken is dedicated to establishing highly personalized solutions and being the key to help clients actually reach their financial goals. Ken graduated from Virginia Tech (VPI) with a Bachelor of Science degree. Ken is a Registered Investment Company Products and Variable Contracts Representative, General Securities Representative and an Investment Advisory Representative. Ken also maintains Uniform Securities Agent State Law and Life and Health insurance licenses. He has been actively involved in the financial planning industry since 1997; receiving the President's Round Table Award in 1998 and Rookie of the Year Award in 1998 and 1999.

Contact MICG Investment Management
(804) 200-1672        (866) 349-6426
(804) 200-1671 FAX
www.micgwealth.com

1111 East Main Street, Suite 1901
Richmond, Virginia 23219

Brokerage services are being provided by MICG Investment Management and not by BayLands Federal Credit Union.
BayLands Federal Credit Union is not a registered broker or dealer. The customer will be dealing solely with MICG Investment Management
with respect to brokerage service. Securities: Not FDIC-Insured/Not Bank-Guaranteed/ Not NCUA-Insured/Not Credit Union-Guaranteed/
May Lose Value Accounts carried by First Clearing, LLC. Member New York Stock Exchange and SIPC