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This communication strictly intended for individuals residing in the states of CA, CO, FL, NJ, NY, PA. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.
Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Securities and fee-based asset management offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.
Advice and planning offered through H. A. Kramer & Associates, PA, a Registered Investment Adviser, are separate and unrelated to Commonwealth.
Fixed insurance products offered through CES Insurance Agency.
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