Securities & advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through Pratt, Kutzke & Associates, LLP. This communication is strictly intended for individuals residing in the states of AK, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, MT, ND, NJ, NV, NC, OH, OK, OR, PA, SC, SD, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Not FDIC Insured. Not Bank Guaranteed. Not a bank deposit. Not insured by any government agency. May lose value. *Please view disclosure page for details. Certified Financial Planner Board of Standards Inc. owns the certification mark CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which awards to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.