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For financial professional use only - not intended for use by the general public.

The information provided herein is the exclusive property of Insurance Agency Marketing Services, Inc. (“IAMS”) and is protected by copyright and other intellectual property laws of the United States. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon, for accounting, legal, tax, investment advice or insurance advice. IAMS is a licensed insurance agency and is not a Broker-Dealer or Registered Investment Advisor. IAMS is not responsible for the results of any program or any liability stemming from the use of them. Although we may promote and/or recommend the services by the company, agents, registered representatives, investment advisors are ultimately responsible for the use of any materials or services and agree to comply with applicable laws and regulations and all compliance requirements of their broker-dealer, RIA, and insurance carriers they represent (as applicable).

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