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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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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member SIPC / FINRA. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with Bank of Zumbrota where investment services are offered. Investments are: * Not FDIC insured * May Lose Value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

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