M. A. Kluemke & Associates is a full-service financial planning firm committed to helping people achieve their financial goals for retirement. We offer a wide range of financial products and services to both individuals and small businesses. By providing sound financial advice and guidance, we believe you will be better able to identify your goals and make informed decisions that will enable you to reach them. Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker-dealer registered investment advisor. Cetera is under separate ownership from any other named entity. Investments are: *Not FDIC insured *Not financial institution guaranteed *Not a deposit *Not insured by any government agency