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Securities and Advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC.  Insurance services offered through Rand, Williams & Associates, LLC, not affiliated with Osaic Wealth, Inc.  This communication is strictly intended for individuals residing in the states of AZ, CA, CO, FL, HI, ID, IN, MA, MI, MN, MT, NC, ND, NJ, NV, NY, OH, OR, PA, SC, TN, TX, VT, WA.  No offers may be made or accepted from any resident outside of the specific state(s) referenced.