Securities and advisory services offered through Commonwealth Financial Network, member FINRA/SIPC, a Registered Investment Advisor. Tax preparation and fixed insurance products and service offered by Gallagher Financial Services. This communication is strictly intended for individuals residing in the states of CO, FL, IA, MI, MN, NC, SC, SD, TX, VA, WI. 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. Form CRS.