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This communication is strictly intended for individuals residing in the states of AL, DE, FL, GA, IA, LA, MT, NC, PA, SC, TN and VA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.