OSAIC Institutions, INC.

Osaic Institutions serves individuals (including high‑net‑worth clients), charitable organizations, corporations and retirement plans. It offers a range of advisory and brokerage services delivered through customized advisory engagements, financial planning, ERISA plan services, wrap fee programs, access to alternative investments via the CAIS platform, and lending and cash‑management options such as CapitalHub, LoanAdvance and securities‑backed lines of credit.

Advice and portfolio implementation are provided primarily through a network of investment adviser representatives (IARs), many of whom are also registered as broker‑dealer representatives and can offer both advisory and brokerage solutions. IARs employ a mix of fundamental and technical analysis, asset‑allocation and mutual fund/ETF analysis, may recommend third‑party managers or wrap programs, and rely on third‑party due diligence for alternative investments.

A notable operational characteristic is that the firm’s assets are predominantly non‑discretionary—approximately $2,935,926,307 non‑discretionary versus $1,088,522,664 discretionary as of December 31, 2024—which is uncommon for large enterprise advisers. The firm’s dual broker‑dealer/adviser status, extensive networking arrangements with banks and credit unions (including on‑premises IARs), and referral/revenue arrangements for lending and alternative investment platforms (e.g., CapitalHub and CAIS) are distinctive features that influence how services are offered and compensated.