Mutual Fund Research

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Office: 216.595.4914

Toll-Free: 800.466.7150 x4914

Fax: 216.591.2344

2001 Crocker Rd

Suite 400

Westlake, OH 44145

mary.given@LFG.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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Brett Ketvertis and Steve Young are registered representatives of Lincoln Financial Advisors Corp.

Brett Ketvertis or Steve Young are licensed for securities in the following states: Arizona, California, Connecticut, Florida, Illinois, Iowa, Maryland, Montana, New Jersey, New Mexico, New York, Ohio, Pennsylvania, Puerto Rico, South Carolina, Tennessee, Virginia, Washington (State), and Wisconsin.

Brett Ketvertis or Steve Young are licensed for LIfe and Health Insurance in the following States: California, Connecticut, Florida, Ohio, Virginia and Washington (State).

Financial Fitness Advisors is a marketing name for registered representatives of Lincoln Financial Advisors Corp.

Unless otherwise identified, registered associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com. *Associated persons of Lincoln Financial Advisors Corp. who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.

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See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.