Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold
separately through Advanced Retirement Income Solutions, LLC. Securities transactions for Horter Investment
Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson
National Monument Advisor, Fidelity, Security Benefit Life and FC Stone. The use of
professional designations, other than the following, are not recognized by the SEC:  CFA, ChFC, CFP, PFS, CIC.

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