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Securities offered through Osaic Wealth, Inc., a registered broker/dealer. Member FINRA/SIPC. Financial planning and investment advisory services offered through Osaic Wealth, Inc. by contract only. Insurance sold separately. A financial plan or investment advisory services, by themselves, cannot assure that retirement or other financial goals will be met.  Securities products are not FDIC insured, have no bank guarantee and may lose significant value. Services are intended for individuals residing in the United States, however, all products and services may not be available in all states. This website or any content contained herein is not an offer to buy or sell any particular security. Osaic Wealth, Inc. make no representation or warranty as to the accuracy of the information contained on this website. Information contained herein is provided for educational purposes only and is not intended as specific financial planning, legal or tax advice for any particular situation or user.  Information may be outdated and neither Osaic Wealth, Inc., or Osaic Wealth, Inc. Advisor Inc. are under an obligation to update this website.  Links to other sites are provided as a convenience only and Osaic Wealth, Inc. do not review, update or make any warranty or representation regarding the accuracy of information contained therein. Content of this website may only be reproduced with the express written permission of Richard Westerberg, Osaic Wealth, Inc.. The registered representative associated with this site may only discuss and transact securities business in the following states he is licensed: CA, CO, DC, FL, LA, MA, MD, MN, NJ, NY, PA, TX, WY.