Disclosure

WARRANTIES & DISCLAIMERS

Investment advisory services are offered through SGL Financial, LLC, a Registered Investment Adviser. Insurance and other financial products are offered separately through appropriately licensed and appointed individuals. Leonard Hayduchok is an insurance agent licensed in New Jersey, Pennsylvania, California, Florida, Kentucky, North Carolina, South Carolina, and Virginia, and is currently appointed with several insurance companies offering life insurance, annuities, and long term care coverage. Dedicated Senior Advisors may also associate with other individual agents who are appropriately licensed and appointed. A full disclosure and a copy of each applicable policy is given to every insurance client. SGL Financial, LLC and Dedicated Senior Advisors are not affiliated entities.

Investments involve risk, and unless otherwise stated are not guaranteed. Viewers or readers of the information contained herein should be aware that any action taken by the viewer/reader based on this information is taken at their own risk. This information does not address individual situations and should not be construed or viewed as any type of individual or group recommendation.

Be sure to first consult with a qualified investment adviser representative, financial adviser, tax professional, and/or legal counsel before implementing any securities, investments, or investment strategies discussed herein.