Cycle of Investing

Contact

Office: 801-223-7502

Fax: 801-609-2628

196 N West State Road

American Fork, UT 84003

cheri@peakfns.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

David E. Palmer, Daniel O. Palmer, and Travis Morgan are Registered Representatives offering securities through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Daniel O. Palmer, and Travis Morgan offer Advisory Services through Cetera Advisor Networks LLC, a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. Insurance products are offered through Cetera, or its licensed affiliates. Utah Community Credit Union is not registered as a broker-dealer or investment advisor. Registered representatives of Cetera may also be employees of Utah Community Credit Union. Securities and insurance products and services are being offered through Cetera or its affiliates, which are separate entities from, and not affiliates of, Utah Community Credit Union. Securities and insurance offered through Cetera or its affiliates are:

Not Insured by NCUA or Any Other Government Agency/ Not Utah Community Credit Union Guaranteed / Not Utah Community Credit Union Deposits or Obligations/ May Lose Value

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Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.