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Home > The Kaighn Report > Form ADV 2B Brochure Supplement
December 11, 2018
Form ADV 2B Brochure Supplement

ADV 2B - Brochure Supplement

JOHN HARRY KAIGHN JR

34 Doe Dr.

Woodbine, NJ 08270

Phone: 609-827-0194

Royal Alliance Associates

10 Exchange Place

Suite 1410

Jersey City, NJ 07302

Phone: 800-821-5100

12/03/2018

This brochure supplement provides clients with information about JOHN KAIGHN that supplements the Royal Alliance Associates disclosure brochure. Please contact MICHAEL DAVID FLEMING, Supervision Regional Vice President (SRVP) at 212-551-5957 or Royal Alliance Associates at the firm phone number above, if you did not receive a copy of the Royal Alliance Associates disclosure brochure or if you have any questions about the contents of this brochure supplement. Additional information about JOHN KAIGHN is available on the SEC's website at www.adviserinfo.sec.gov. Information of any disciplinary history for the advisor can be found through the Financial Industry Regulatory Authority's ("FINRA") BrokerCheck system's website; www.finra.org/brokercheck.

EDUCATIONAL BACKGROUND & BUSINESS EXPERIENCE

JOHN HARRY KAIGHN JR

Year of Birth: 1952

Education

Rowan University, aka Glassboro State College, Bachelors Degree, Psychology, 1975

Rowan University, aka Glassboro State College, Masters Degree, Counseling, 1986

Business Experience

Registered Representative and Investment Advisor Representative, ROYAL ALLIANCE ASSOCIATES, INC. 34 DOE DR WOODBINE, NJ 08270, 11/2018 - present

Registered Representative and Investment Advisor Representative, SIGNATOR INVESTORS, INC., 34 DOE DR. WOODBINE, NJ, USA, 08270, 05/2016 - 11/2018

Registered Representative and Investment Advisor Representative TRANSAMERICA FINANCIAL ADVISORS, INC., 34 DOE DR WOODBINE, NJ, 09/2009 - 05/2016

Registered Representative TRANSAMERICA FINANCIAL RESOURCES, INC., 34 DOE DR WOODBINE, NJ 08270, 08/1998 - 09/2009

10/1994 - 08/2017 Investment Advisor Representative, JERSEY BENEFITS ADVISORS, 34 DOE DR WOODBINE, NJ 08270

GUIDANCE COUNSELOR, MIDDLE TWP BOARD OF EDUCATION CAPE MAY COURT HOUSE, NJ 08210, 09/1977 - 01/2011

Professional Licenses/Designations

Series 6 - Investment Company and Variable Contracts Exam (Mutual Funds/Variable Annuities)

To obtain the Series 6 an initial qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. Continuing Education requirement include attending an Annual Compliance Meeting and Firm Element Training. Also required to be taken is a computer based program within 120 days of the second anniversary of obtaining the registration and every three years thereafter.

Series 7 - General Securities Representative Exam (Stockbroker)

To obtain the Series 7 an initial qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. Continuing Education requirement include attending an Annual Compliance Meeting and Firm Element Training. Also required to be taken is a computer based program within 120 days of the second anniversary of obtaining the registration and every three years thereafter.

Series 26 - Investment Company (Mutual Funds) Principal Exam

To obtain the Series 26 an initial qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. Continuing Education requirement include attending an Annual Compliance Meeting and Firm Element Training. Also required to be taken is a computer based program within 120 days of the second anniversary of obtaining the registration and every three years thereafter.

Series 63 - Uniform Securities Agent State Law Exam

To obtain the Series 63 an initial qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. Continuing Education requirement include attending an Annual Compliance Meeting and Firm Element Training. Also required to be taken is a computer based program within 120 days of the second anniversary of obtaining the registration and every three years thereafter.

DISCIPLINARY INFORMATION

I have no material disciplinary events to report.

OTHER BUSINESS ACTIVITIES

Your advisor is also a registered representative of Royal Alliance Associates. As such, your advisor may recommend the purchase of securities from Royal Alliance Associates.  If you purchase securities from Royal Alliance Associates, your advisor will receive commissions on the sale of investment products and in certain instances receive ongoing 12b-1 fees, in addition to the receipt of advisory fees for advisory services such as financial planning services.  Your advisor is also an insurance agent and receives commissions on the sale of insurance products and in certain instances, payments for the renewal of certain insurance products, in addition to advisory fees for advisory services, such as financial planning services.  These payments vary by insurance product and company and may provide different incentives depending on the amount of the renewal payment. In some instances, sales commissions from life insurance provide a higher deposit rate to registered representatives than investment products. As such, a registered representative may have a financial incentive to promote certain life insurance products over other investment products. While the firm and your financial advisor intend to provide recommendations of products and services they believe are suitable for you, you should carefully evaluate each product or service recommendation based on your own financial situation and investment objectives.

1) JERSEY BENEFITS ADVISORS, 34 DOE DR, WOODBINE, NJ, REGISTERED INVESTMENT ADVISOR FIRM, ADVISE CLIENTS IN REGARD TO 401K; 70% OWNER, 20 HRS/MO, 20 HRS/MO, START 09/95, INVESTMENT RELATED

2) JERSEY BENEFITS GROUP, INC, 34 DOE DR, WOODBINE, NJ, VP/OWNER OF CORP, START 08/2002, INVESTMENT-RELATED, PROVIDE INS SERVICES AND PENSION CONSULTATION, 20 HRS/MO, 20 HRS/MO                                      

3) NANCY CRAFTS COUNSELING, 223 S MAIN ST, CAPE MAY COURTHOUSE, NJ, INTAKE COUNSELOR/PRIVATE MENTAL HEALTH COUNSELING, NOT INV-REL, START 9/2007, 30 HRS/MO, 30 HRS/MO

Please note that registered representative and insurance agent activities are reviewed and supervised by Royal Alliance Associates. This review includes transactions that you may conduct in your accounts based on specific recommendations to purchase products and/or services made by your registered representative.  With respect to certain other business activities unrelated to registered representative or certain insurance agent activities that your financial advisor may participate in, these activities are reviewed, and when appropriate approved in accordance with industry rules. While the firm may initially review these other business activities, these activities are not associated or in any way related to activity conducted by Royal Alliance Associates. Therefore, Royal Alliance Associates will not be responsible with respect to any recommendation or determination as to the suitability of your choice to participate in such activities. These other business activities may present certain conflicts of interest that you should be aware of and consider before participating in such activities. Please ask your financial advisor for further information.

ADDITIONAL COMPENSATION

As discussed previously above, your advisor is a registered representative and may also be an insurance agent. In addition to the receipt of advisory fees, traditional commissions and ongoing 12b-1 fees, Royal Alliance Associates may pay bonuses based on a registered representative's overall product and/or service sales, including with respect to advisory business, conduct sales incentive contests or provide marketing payments to its financial advisors to the extent permitted under applicable law. As a result, these arrangements may create a conflict of interest. While Royal Alliance Associates and your financial advisor intend to provide recommendations of products and services they believe are suitable for you, you should carefully evaluate each product or service recommendation based on your own financial situation and investment objectives.  Financial advisors may receive compensation from someone other than a client for providing investment advice or other advisory services to clients by referring clients to other investment advisers. As such, there may be potential conflicts of interests with these arrangements, including situations where the compensation paid to the firm or the financial advisor differs based on the particular third-party adviser. Therefore, financial advisors may have an economic incentive to recommend one third-party adviser over another. Additionally, certain third-party advisers may provide reimbursements to financial advisors as an offset for marketing and seminar materials for the advisory products and services offered. These situations may also create conflicts of interest that you should carefully consider.

SUPERVISION

Royal Alliance Associates supervises the investment advisory services provided by its financial advisors through a variety of methods, including a review by a licensed principal prior to a client’s enrollment in any investment advisory service or prior to any new account opening. This review is designed to ensure that the products and services offered and recommended to clients are appropriate based on the particular client’s situation. Additionally, the Firm conducts periodic ongoing supervision related to its investment advisory services. These efforts, which vary in frequency, include review based on a number of different factors, including but not limited to specific account activity and changes in a client’s financial situation or investment objectives. The individual responsible for supervising JOHN H KAIGHN is MICHAEL DAVID FLEMING, Supervision Regional Vice President (SRVP). MICHAEL DAVID FLEMING may be reached at 212-551-5957.


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*Jersey Benefits Advisors is a trade name for J/M Kaighn, Inc. a corporation registered in the State of New Jersey, and Jersey Benefits Group, Inc. is a corporation registered in the State of DE.

*John H. Kaighn is a Registered Representative and an Investment Advisor Representative of Royal Alliance Associates, Inc. Securities and investment advisory services offered through Royal Alliance Associates, Inc. member FINRA/SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

*Insurance services provided by Jersey Benefits Group, Inc., a Licensed Insurance Producer in the State of New Jersey.

*John Kaighn is licensed to offer securities through Royal Alliance Associates, Inc. in the states of CO, DE, FL, IL, MD, NC, NJ, NY, and PA., as well as investment advisory services in NJ. This Website should not be considered a solicitation for securities business or investment advisory services in any other state.

*This web page offers links to other companies. Once a hyperlink is activated, you will be leaving Jersey Benefits Group, Inc., and operate outside Jersey Benefits Group, Inc. Website. Jersey Benefits Group, Inc. is not responsible for the validity, completeness or accuracy of any information provided on those sites to which you may link. Furthermore, Jersey Benefits Group, Inc., Jersey Benefits Advisors and Royal Alliance Associates, Inc. shall not be liable for any direct or indirect system damage or other problems you may incur as a result of linking to any other website, including any consequences arising from your accessing third party technologies, sites, information and programs made available through Jersey Benefits Group, Inc.

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