Securities and advisory services offered through Commonwealth Financial Network®, www.FINRA.org / www.SIPC.org, a Registered Investment Adviser. Fixed insurance products and services offered through Virtus Wealth Solutions. Virtus Wealth Solutions located 1150 Raritan Rd, Suite 205 Cranford, NJ 07016. Phone # 908-967-6360. This communication is strictly intended for individuals residing in the states of AlL,AR,AZ,CA,CO,CT,DC,DE,FL,GA,HI,IA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MN,MO,MS,NC,ND,NE,NH,NJ,NM,NY,OH,OR,PA,PR,SC,SD,TN,TX,VA,VT,WA,WV. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Review our Terms of Use: www.commonwealth.com/termsofuse.html.