Investments through Pensionmark Financial Group or St. Bernard Financial Services are not FDIC insured, not bank guaranteed, not insured by any state or federal agency, and may lose value (including loss of principal).

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Tax Disclosure

Unless the correspondence expressly provides that the statements contained therein are intended to constitute written tax advice within the meaning of IRS Circular 230, the sender intends by this message to communicate general information for discussion purposes only, and you should not, therefore, interpret the statements to be written tax advice or rely on the statements for any purpose. If this message expressly provides that the statements are intended as written tax advice, the advice is being provided in accordance with the facts as you have provided and the current tax law as it stands at the time of this message. If you have any question regarding the facts upon which the advice is provided or it is necessary to update/supplement the facts upon which this advice is being provided, please contact the sender. The sender will conclude that you have understood and acknowledged this important cautionary notice unless you communicate to the sender any questions you may have in a direct electronic reply to this message.

Regardless, the information in this message is not intended for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer, or be used by the recipient or other taxpayer in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction addressed herein.