This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Information has been obtained from sources believed to be reliable but is not guaranteed as to accuracy. Please refer to the Summary Plan Description for more detailed information.

Securities offered though LPL Financial, member FINRA/SIPC. Investment advice offered through Global Retirement Partners, LLC a registered investment advisor. Global Retirement Partners, LLC and FRS Capital Management are separate entities from LPL Financial.