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Copyright 2016 Plan Your Legacy, LLC. This communication strictly intended for individuals residing in the states of AL, AR, AZ, CA, CO, FL, HI, ID, IN, MA, MD, MI, MN, NC, NJ, NV, NY, OR, SC, SD, TN, TX, VA, VT. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network. Member FINRA, SIPC, a Registered Investment Advisor. Legacy planning services offered by My Wisdom Will and/or Montage Wealth Management are separate and unrelated to Commonwealth.