kim.ramchandani@ceterais.com

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North Haven Office

110 Washington Avenue

4th Floor

North Haven, CT 06473

Phone: 203-794-2105

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110 Washington Avenue

4th Floor

North Haven, CT 06473

kim.ramchandani@ceterais.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.

Copyright 2026 FMG Suite.

Cetera Investors is a marketing name of Cetera Investment Services LLC. Securities and insurance products offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Investment advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Neither firm is affiliated with the financial institution where investments are offered. 400 First Street South, Suite 300 St. Cloud, MN 56301

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency.

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