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Littleton, CO 80120

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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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Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 800-873-7637, [www.htk.com](http://www.htk.com/). Any other business entity or name that your financial professional markets their securities and advisory services under is not affiliated with HTK. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.

We are insurance and securities licensed in our resident state of Colorado, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.

Fees and expenses will vary based on individual circumstances. Clients may incur additional costs for underlying investments, custody, and other third-party services. This material is provided for informational purposes only and does not constitute a recommendation, offer, or solicitation to buy or sell any securities or investment strategy. Investment decisions should be based on a client’s individual financial situation, objectives, risk tolerance, and time horizon. Alternative investments and certain strategies involve additional risks, including limited liquidity, higher fees, and less transparency, and are not suitable for all investors. Financial professionals may receive compensation based on advisory fees, brokerage commissions, or other arrangements, which creates a financial incentive that may influence recommendations. Clients should review all agreements and disclosures carefully. Fees shown are indicative and for illustrative purposes only. Actual fees and total costs will vary based on factors including account size, investment strategy, portfolio composition, trading activity, and the use of third-party managers or funds.

CA Insurance #4392569