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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Copyright 2023 FMG Suite.

John Arnot, Jerry Proter and Gary Locke are registered representatives offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA, SIPC, a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity.

This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

*The following individuals are not affiliated or registered with Cetera Advisor Networks LLC - Roger Martin, Don Duke and Dennis Lehew. Any information provided by these individuals is provided entirely on their behalf and is no way related to Cetera Advisor Networks LLC or its registered representatives.

John Arnot is licensed in MO, LA, NM, OH, PA, and TX for the sale of insurance products. Jerry Proter, Roger Martin and Gary Locke are licensed in TX for the sale of insurance products.

Important Disclosures | Business Continuity | www.ceteraadvisornetworks.com

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.