First Empire began selling Certificates of Deposit (CDs) to financial institutions over two decades ago. Our firm has since evolved into more than just a full service broker-dealer. We have become a strategic partner, providing our clients with customized solutions to meet their long-term growth objectives.

The key to future existence is growth, especially in today’s competitive financial markets. That’s why, for years, we have invested in resources that allow our clients to grow and serve their customers. We take the time to learn and understand their institutions’ needs and objectives and assist them in developing strategic plans designed to provide results.

Financial Strategy Group
Our FSG professionals evaluate your growth objectives, potential challenges and how we can use our expertise to make your goals a reality. We do this by first scheduling a Financial Strategy Call. Through a series of questions and analyses, we learn about your institution, uncover opportunities and recommend solutions based on proven success. FSG will tap into the tremendous resources available through our affiliates. Click here to set up an FSG call.

Affiliated Companies:

• LPC Services, Inc* assists you with loan transaction strategies. Our Loan Participation and Conduit programs allow us to provide you with tools to manage your loan portfolio. Our nationwide network of financial institutions coupled with decades of industry expertise, make LPC Services a unique business resource.   www.lpcservicesinc.com
• Balance Sheet Management Services, Inc.* offers comprehensive balance sheet analytics, including earnings, capital, liquidity, interest rate risk management, and investment portfolio analysis. With our Asset/Liability Management program, we assist you with Risk Control. www.bsmservices.com
• First Empire CD Management, Inc.* offers you a source for non-negotiable certificates of deposit. You can create liquidity with Deposits and Funding strategies that we can help you develop. www.firstempirecd.com

Fixed Income Securities Brokerage
First Empire’s fixed income brokerage maintains established relationships with almost every primary and regional dealer throughout the country. They provide us with constant access to their inventories. This allows us to first look at your needs and then search for a product that fits. Our Trading Desk includes individuals with decades of experience, specializing in fixed income investment products. We offer a full range of fixed income securities, including Treasuries, Agencies, Mortgage Backed Securities, Municipal and Corporate Bonds, and negotiable CDs. Click here to learn more.

Investment Portfolio Analytics
First Empire Securities provides comprehensive balance sheet management services, including: asset/liability management analysis, investment portfolio analysis and accounting support (FinSer)**. These services focus on loan demand, interest rate risk, and other changing market conditions that affect the future value of your investments. In the long term, these services allow you to provide better opportunities for your customers. Click here to learn more.

Regulatory Guidance
Charles Felker, our Managing Director of Regulatory Affairs, has over thirty years experience working with regulations that govern financial institutions. Mr. Felker regularly speaks on the subject of Fixed Income Securities at the Federal Reserve Management School and has done so for nearly ten years. Mr. Felker provides you with regulatory consultation, examination support, policy reviews, board presentations, regulatory updates, educational seminars, and other consulting/compliance related services. Click here to learn more.

Investment Product and Market Education
First Empire also provides investment product and market education. We provide your investment officer with information on each investment vehicle available, the inherent risks and rewards of each, and the affect the investment will have on your institution’s strategic plan and balance sheet. Click here to learn more.

*Balance Sheet Management Services, Inc., LPC Services, Inc. and First Empire CD Management, Inc. are not members of the FINRA or SIPC. First Empire Securities, Inc. is solely a member of the FINRA and SIPC.

**FinSer is neither an affiliate nor a subsidiary of First Empire. Any services provided under portfolio accounting are the sole responsibility of FinSer. FinSer is not a member FINRA/SIPC.