At Indpendent Wealth Management, our name is more than just a name, it says a lot about how we approach our clients' wealth management needs. Because, lets' face it, your wealth impacts so many other areas of your life, such as where your children or grandchildren go to school, where you live, when and where you'll retire and your charitable giving, to name just a few. Our core values that we've developed to guide us: 1. Care for our clients like we would want to be cared for. 2. Know our clients and their goals. 3. Treat clients like people, not like portfolio balances. 4. Empower clients to feel confident about their decisions. We take the trust our clients have placed in us very seriously. This communication is strictly intended for individuals residing in the states of AL, AR, CA, CO, FL, IL, IN, MA, MD, ME, MI, MO, MS, NC, OH, PA, SC, TN, TX, UT. 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. Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Investments are not FDIC-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Independent Bank is not a registered broker-dealer or Registered Investment Advisor. Independent Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered through Independent Wealth Management, LLC or CES Insurance Agency. Independent Wealth Management, LLC is located at 5050 Poplar Avenue, Suite 2200, Memphis, TN 38157 (901) 844-0382. Please see our Terms of Use here: www.commonwealth.com/termsofuse.html