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Joseph Stone Capital, LLC, is a fully disclosed broker-dealer and member of FINRA and SIPC. FINRA Rule 3510 requires each member firm to create and maintain a business continuity plan. In accordance with the rule, the Firm has developed a plan to ensure the continuity of operations during business emergencies and disruptions.

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Joseph Stone Capital - All that you want to know about Financial Services Features and Characteristics

Financial services assist in the formation of new businesses, and enable businesses to take benefit of opportunities to develop, make use of local workers and in turn help other businesses and local, state and federal government via the payment of income taxes. The tactical use of financial instruments, such as investments and loans is vital to the success of each business. Financial trends also describe the state of the economy on a global level, so central banks can plan suitable monetary strategies.

Financial services refer to economic services offered by different financial institutions that handle money management. It is an insubstantial product of financial markets like an insurance, loan, banking firms, stocks, credit card, etc. Financial services are products of institutions like investment funds, insurance companies, brokerage firms, credit unions, and consumer finance companies.

Joseph Stone Capital on Financial Services Characteristics

Dynamic Activity: Financial services are active in nature. It changes as per the varying needs of customers and the socio-economic surroundings.


Financial services are customer based. These services are designed and offered to the customers by financial institutions as per their requirements. Several elements such as liquidity, cost, and maturity periods of these services are decided as per the suitability of customers.


Financial services are made and delivered at the same time and cannot be separated. These functions i.e. production and supply goes simultaneously.


These services are insubstantial in nature. Financial institutions for selling their intangible product need to improve their brand image by enhancing their service quality.


These services are perishable in nature and cannot be stored beforehand of their requirement. Financial services are produced and supplied as and when required by peoples.

Joseph Stone Capital on Financial Services Features

Client Oriented

- These services are customized as per the necessities of peoples seeking to avail them. Financial institutions obtain all vital information about customers such as amount of credit necessary, source of income, and time period. After considering all requirements of their clients, financial institutions decide different elements of these services like liquidity, cost, and maturity period in an attempt to design them according to the customer specific needs.

Funds Intermediary

Financial services act as fund intermediaries amid the investors and borrowers in the market. It allows bringing together the one having a surplus of funds and one who is in need of funds. Financial services provided by banking institutions such as credit and loans facilities channelize the funds of depositors to borrowers generating revenue.


Financial services are of inseparable nature which means that the producer of these services cannot be separated from them. Production of financial services and offering them to clients take place at the same time. These services cannot be stored and produced in advance of their demands. Financial services are designed by the institutions at the moment when the customer is eager to take them as per appropriateness.

Besides this, financial services offer a facility of using high quality goods to customers by lending credit facilities. People who are not economically strong and not in a situation to obtain products on cash basis, have access to credit facilities from financial institutions for buying the required products. When people use top quality goods in their daily life, their living standards would get better.

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Joseph Capital Joseph Stone Capital, LLC is a Full-Service Broker firm with decades of experience in helping investors innovate, transform, and lead. Joseph Stone Capital, LLC upholds a culture of powerful philosophies and unique monetary strategies.

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