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Securities and Advisory Services are offered through United Planners Financial Services, member FINRA / SIPC. Sunset Cliffs Financial and United Planners are independent companies.

J. Scott Nuanez is registered to conduct securities business in AK,AZ,CA,CO,HI,ID,MD,NV,NM,NY,NC,OR,TX and WA. This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.

Insurance-related services may not be provided to individuals residing in any states other than AK,AZ,CA,CO,HI,ID,MD,NV,NM,NC,TX and WA.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.