*Securities and Investment Advisory Services offered through FSC Securities Corporation, member FINRA/SIPC. Traditional/Fixed Insurance offered through Kramer Wealth Managers which is not affiliated with FSC Securities Corporation. This communication is strictly intended for individuals residing in the United States. No offers may be made or accepted from any resident outside of the United States. Neither FSC Securities Corporation, nor its registered representatives, offer tax ore legal advice. For assistance with these matters, please consult your tax or legal advisor.

** Some services offered through independent strategic alliances/professional firms.

*** The securities products and services offered or provided by FSC Securities are not being provided or offered on behalf of the Federal Government.The offer of such securities is not sanctioned, recommended, or encouraged by the Federal Government.FSC Securities Corporation and Kramer Wealth Managers are not endorsed by or affiliated with the Federal Government.

IMPORTANT CONSUMER INFORMATION

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, 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, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

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