We are a financial planning firm that works with clients to maximize their financial health, in areas such as retirement planning, investments, insurance, college planning, and estate planning. 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 CES Insurance Agency. JCL Financial Group, LLC, 54 Friends Lane, Suite 112, Newtown, PA 18940, 877-772-3744. This communication is strictly intended for individuals residing in the states of CO, CT, DE, FL, IL, IN, MA, MD, ME, MN, NC, NJ, NM, NY, PA, SC, TX, UT, VA. 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.