1430 Broadway, Suite 700, New York, NY 10018

michael.hess@ceterainvestors.com

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New York Office

1430 Broadway

Suite 700

New York, NY 10018

Phone: 212-532-0144

Fax: 646-536-2834

Mobile: 646-766-9334

Mon-Fri: 8:00 AM - 5:00 PM

Sat-Sun: By Appointment

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Office: 212-532-0144

Office: 646-766-9334

Fax: 646-536-2834

1430 Broadway

Suite 700

New York, NY 10018

michael.hess@ceterainvestors.com

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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.

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Cetera Investors is a marketing name of Cetera Investment Services. Securities and Insurance Products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC.

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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.