Advisory Services Disclosure

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC Neither firm is affiliated with the financial institution where investment services are offered. Advisory services may only be offered by investment adviser representatives in conjunction with an advisory services agreement and disclosure brochure as provided.

Investments are:

Not FDIC/NCUSIF insured
May lose value
Not financial institution guaranteed
Not a deposit
Not insured by any federal government agency