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Josh Banwart is licensed in MO to offer insurance products, life insurance (including variable life), annuities (including variable annuities), and is registered to offer securities and advisory services through Principal Securities, Inc. In AR, AZ, CA, CO, FL, GA, IA, IL, KS, MO, NC, NE, NV, NY, OH, OK, PA, SC, TX, VA, WA, and WI.

John Franklin is licensed in KS and MO to offer insurance products, life insurance (including variable life), annuities (including variable annuities), and is registered to offer securities and advisory services through Principal Securities, Inc. In CA, CO, IA, KS, MO, TX and WI.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

 This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION: Representatives of Clearwater Wealth Management may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's registration requirements.  Follow-up, individualized responses to consumers in a particular state by representatives of Clearwater Wealth Management that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized invest advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion.  For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA representative or any financial institution they represents, contact your state securities law administrator.

Insurance products issued by Principal National Life Insurance Company (except in NY), Principal Life Insurance Company® and the companies available through the Preferred Product Network, Inc.  Securities and advisory products offered through Principal Securities, Inc., Member SIPC.  Referenced companies are members of the Principal Financial Group®, Des Moines, IA 50392.  Josh Banwart, Principal National and Principal Life Financial Representative, Principal Securities Registered Representative, Financial Advisor.  John Franklin, Principal Securities Registered Representative, Financial Advisor.  Clearwater Wealth Management is not an affiliate of any company of the Principal Financial Group®.

Stanley Strecker is not registered to sell securities and advisory products or services through Principal Securities, Inc. 

Principal Life maintains certificates of authority to transact insurance in all 50 states.  Principal Life NAIC identification number is 61271.  Principal National NAIC identification number is 71161.

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