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Representatives associated with IFSG, Ltd. offer securities through VFG Securities, Inc. (VFG) member FINRA and SIPC, and advisory services through VFG Advisors, Inc. (VFA) a Registered Investment Advisor. VFG/VFA is not affiliated with Integrated Financial Solutions Group (IFSG, Ltd) or IFSG University, and is not responsible for any recommendation, solicitation, offer or agreement or any information about any transaction, customer account or account activity contained in this communication. VFG/VFA does not provide tax and legal advice; please seek professional counsel through your own tax and legal professionals.

IFSG University provides a select collection of educational resources intended to provide our clients, area employers and employees, friends as well as the general public with the informa tion they need to help them in making informed financial decisions. IFSG University is not an accredited institution of higher learning. The content provided is not expressly endorsed by VFG/VFA. Solicitations may only be made in states where licensed/registered.