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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Copyright 2026 FMG Suite.

Securities offered through Cetera Wealth Services, LL (doing insurance business in CA as CFGAN Insurance Agency LLC-CA Insurance Lic# 0644976), Member FINRA / SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Investment advisory services may also be offered through HBW Advisory Services LLC. LHD Insurance & Financial Services, HBW Insurance & Financial Services, Inc. dba HBW Partners and HBW Advisory Services LLC are separate entities which do not offer legal advice. CA Insurance license: 0C63007

Tax services provided by Bulent Erol who is a Registered Representative offering securities through Cetera Wealth Services, LLC and also an Investment Advisor Representative offering advisory services through both Cetera Investment Advisers LLC/ HBW Advisory Services LLC.

Bulent Erol is enrolled to practice before the Internal Revenue Service. IRS regulations require us to advise you that, unless otherwise specifically noted, any federal tax advice in this communication, including any enclosures, or other accompanying materials, was not intended or written to be used, and it cannot be used by any taxpayer for the purpose of avoiding penalties; furthermore, this communication was not intended or written to support the promotion or marketing of any of the transactions or matters it addresses.

Please note that Cetera Wealth Services, LLC does not give legal or tax advice.

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Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.