Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice.

Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SiPC (www.sipc.org). OSJ 2012 W. 25th Street, Cleveland, OH44113. 216.621.5680.

We have individuals registered to offer securities in the following jurisdictions:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin

We have individuals licensed to sell insurance products in the following jurisdictions:

Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin

CA Licenses:

Mark Dorman, Skylight Financial Group, Domiciled in OH, CA Insurance License #0D99095

John Dunlavey, Skylight Financial Group, Domiciled in OH, CA Insurance License #OC90771

Robert Frantz, Skylight Financial Group, Domiciled in OH, CA Insurance License #OF27137

David Kucharski, Skylight Financial Group, Domiciled in OH, CA Insurance License # 0G34742

Keven Prather, Skylight Financial Group, Domiciled in OH, CA Insurance License #OE58026

Scott Rider, Skylight Financial Group, Domiciled in OH, CA Insurance License #0G14761

AR Licenses:

Daniel Lauletta, Skylight Financial Group, Domiciled in OH, AR Insurance License #363899

Douglas "Jeb" Stephen, Skylight Financial Group, Domiciled in OH, AR Insurance License #7492722