1430 E Missouri Ave Suite B-111 | Phoenix, AZ 85014. Eric Bottolfsen, Robert Gershkowitz and Howard Gershkowitz are Registered Representatives of Cetera Wealth Services, LLC. Securities offered through Cetera Wealth Services, LLC (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.

Derick Harris is not affiliated or registered with Cetera Wealth Services. Any information provided by Derick Harris is in no way related to Cetera Wealth Services or its registered representatives.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.