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Registered Representative of and securities offered through Securities Management and Research, Inc. (SM&R) Member FINRA/SIPC. Investment Advisory services offered through BFC Planning, Inc. Edgin Insurance & Financial Services, Johnson Financial Services, BFC Planning, Inc. and SM&R are independent entities. Securities products involve investment risks, are subject to market fluctuations, and the possible loss of principal. Tax issues that may be discussed are subject to change and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19738 - 2020/1/30

The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.

Securities and investment advisory services offered through Silver Oak Securities, Inc. (SOSI), member FINRA/SIPC and a registered investment advisor. EJC Insurance & Financial and SOSI are independent companies.

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