- 107 Kilmayne Drive, Suite D, Cary, NC 27511
Originally started as the Affordable Insurance Network (DBA AIN Services) in 1998 by Michael Tove Ph.D., CEP, RFC, to provide affordable premium solutions for people seeking life and health insurance, the company quickly expanded to offering investment strategies and became a multi-services independent agency.
AIN is insurance licensed and the founder, Michael Tove, is registered as an advisory representative through CoreCap Advisors, LLC. AIN and CoreCap are separate and unaffiliated entities. As a fiduciary, our mission is to offer unbiased advice based on an individual client’s needs rather than promoting the products of one company or industry.
Meet the Team
Dr. Michael Tove
President & Founder
Michael Tove Ph.D., CEP, RFC is president and founder of AIN Services. He is both independently insurance licensed and registered as an Investment Advisor Rep with CoreCap Advisors, a Registered Investment Advisor (AIN and CoreCap are separate and unaffiliated entities). He is also a Certified Estate Planner, a Registered Financial Consultant, a National Social Security Advisor certificate holder, member of the Ed Slott Elite IRA Tax Advisor group, member of the Independent Excellence Group and member of the National Ethics Association. A published author, Dr. Tove has authored two books and been a contributing author to a third, has authored numerous articles for a variety of financial journals including US News and World Report, Kiplinger, Forbes, Investopedia, Go Banking Rates, Financial Advisor, Senior Outlook Today and others. He was the creator and co-host of a nationally distributed TV program “Money Secrets with Bill and Mike” and more.
James Robbins
Director of Operations
James, our Director of Operations, is responsible for managing the day-to-day operations of the company. He is also a licensed agent and oversees the company’s computing and IT infrastructure.
Affiliates
Back-office Insurance Support
AIN receives its insurance contracting through M&O Marketing, the oldest National Marketing Organization in the country, with over 40 years of hard work, innovation, and experience. AIN’s selection of NMOs means AIN has access to virtually any insurance company it chooses but without any requirement or obligation to represent a particular company. Through these connections, AIN can receive product illustrations, is kept up-to-date on the latest product and company developments and has powerful resources to process business efficiently.
CoreCap Advisors
CoreCap Advisors, LLC is a Registered Investment Advisor based out of Southfield, Michigan. With over a billion in assets, CoreCap works with financial advisors to meet the needs of their clients.
CoreCap and AIN are separate and unaffiliated entities.
TD Ameritrade
Through CoreCap Advisors, Dr. Tove uses TD Ameritrade as his preferred custodian for investment holdings. Neither TD Ameritrade nor CoreCap place any artificial limits on what investment products may be offered.
IE Group
AIN is also partner with the Independent Excellence Group; an elite invitation-only organization composed of some of the top financial services representatives in the country. Functioning as a think-tank organization, IE Group members have access to some of the world’s most preeminent economists, tax and legal advisors as well as other elite professionals.
The needs of every client are first, middle, and last. Nothing else matters. It’s why we focus on identifying and achieving specific planning goals and not promoting some ‘favorite’ company or product.