Ameritas Financial Services

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Ray E. Smith, Jr., CLU, ChFC offers products and services using the following business names: Ray Smith Wealth Management, an affilliate of Tax Favored Benefits - insurance and financial services l Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC (www.finra.org www.sipc.org) - securities and investments l TFB Advisors, LLC orAmeritas Advisory Servies (AAS) - investment advisory services. AIC and AAS are not affiliated with Ray Smith Wealth Management, Tax Favored Benefits or TFB Advisors.

Products and sevices are limited to residents of states where the representative is registered. This is not a offer of securities in any jurisdiction nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospetus from your representative. Read it careuflly before you invest or send money. A representative will contact you to profvide requested information. Representatives of AIC and AAS do no provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

Securities email: rsmith@aicinvest.com

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