Commonwealth Advanced Planning Team

This communication is strictly intended for individuals residing in the states of CA, CO, FL, NC, 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 offered through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Advisory services offered through H.A. Kramer & Associates, PA are separate and unrelated to Commonwealth.