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Securities through Valmark Securities, Inc., Member FINRA/SIPC, 130 Springside Drive, Suite 300, Akron, Ohio 44333 (800) 765.5201. Advisory services offered through Valmark Advisers, Inc., an SEC-Registered Investment Advisor. Capital Formation Group, Inc. is a separate entity from Valmark Securities, Inc. and Valmark Advisers Inc.

Consult your tax professional for advice. Information provided as an incidental service to our business as insurance professionals, financial planners, investment advisor and securities broker.

Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

This material is being provided for informational purposes and is not intended to be a formal research report, a general guide to investing, or as a source of any specific investment recommendations and makes no implied or express recommendations concerning the manner in which any accounts should be handled. Any opinions expressed in this material are only current opinions and while the information contained is believed to be reliable there is no representation that it is accurate or complete and it should not be relied upon as such.

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