At Harsin Wealth Management, we believe that comprehensive financial planning is the ideal approach, because each decision affects another. How you maximize Social Security benefits can set the stage for future tax strategies. Your IRA distributions can impact your tax situation, as well as that of your spouse and beneficiaries. And careful retirement planning can help ensure you get the lifestyle you’re working so hard to achieve. With our experience in tax strategy and investment management, IRA distributions, divorce financial planning, and retirement and estate planning, we can provide the guidance and plan to help handle all areas of your financial life. Plus, because most investment managers are not qualified or permitted to give tax advice, they would refer you to a CPA for decisions involving Roth IRA conversions, capital gains harvesting and other tax-related matters. Dick Harsin is a CPA, so we can offer the added benefit of his extensive training, expertise and ability to advise you on your entire financial picture. Dick’s state registrations–AK CA CO FL ID IN KS MT NV OR PA SD TX UT WA WI Chris’s state registrations–AK CA CO ID IN KS MT NV OR PA SD TX UT WA WI 1. Securities disclosure Securities and advisory offered through Commonwealth Financial Network®, Member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser 2. State Disclosure This communication is strictly intended for individuals residing in the state of AK CA CO FL ID IN KS MT NV OR PA SD TX UT WA WI. 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. 3. Please review our Terms of Use here: www.commonwealth.com/termsofuse