^{A diversified portfolio does not assure a profit or protect against loss in a declining market.}

^{All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.}

^{The views stated are not necessarily the opinions of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change with or without notice. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Past Performance does not guarantee future results.}

^{Michael Oana Retirement Planning Specialist is an independent company. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer and a registered investment advisers. Cetera is under separate ownership from any other named entity. . Branch address: 4408 Forest Dr. Suite 2001, Columbia, SC 29206.}