This communication is strictly intended for individuals residing in those states in which
Mr. Elder is registered to provide securities, insurance, and investment advisory services.

We are registered to provide securities in
ARIZONA, CALIFORNIA, COLORADO, IDAHO, MICHIGAN, NEVADA, NEW MEXICO, NEW YORK, OHIO and PENNSYLVANIA.

We are registered to provide insurance in
ARIZONA, CALIFORNIA, IDAHO, NEVADA, and
NEW MEXICO.

Regulations require that no offers be made or accepted from any resident outside the specific states referenced.
Registered Principal offering Securities
and Advisory Services through United Planners' Financial Services of America,
a Limited Partnership. Member FINRA, SIPC.
resident non-resident