Disclosures

Firm assets under management (AUM) figures as of 1/1/2015.

Statements and comparisons regarding advisory fees are based on the average annual fee charged by advisers for accounts $250,000 or larger, according to the 2013 Investment News Financial Performance Study of Advisory Firms.

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, ID, IL, IN, IA, KY, MI, MN, MS, MT, NJ, NV, NC, OH, OK, 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.