DISCLOSURE: Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member, FINRA/SIPC. Advisory services offered through Concourse Financial Group Advisors, a DBA for CFGS, a Registered Investment Advisor. Member, FINRA and SIPC. LD&B Insurance and Financial Services and LD&B Financial Group, a DBA of LD&B Insurance and Financial Services, is independent of CFGS. Please be advised that presently Adam Savanick holds the series 6, 7, 63 and 65 licenses AL, CO, FL, GA, IL, KS, KY, LA, MA, MD, MT, NC, NY, OH, OR, PA, SC, TN, TX, VA, WI, and WV. Steve Brunk holds the series 6, 7, 63 and 66 licenses in AZ, CA, CO, DC, DE, IN, MD, NC, PA, TX, VA, WI, and WV. Malachi Bontrager holds the series 7 and 66 licenses in IL, VA and WV. For residents of other states in which registration is not held, proper licenses and registrations must be obtained by Adam, Steve, or Malachi before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation. Securities offered through CFGS will fluctuate in value and are subject to investment risks including possible loss of principal.