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_{Cetera Wealth Partners is a region of Cetera Advisor Networks. Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC. (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

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.

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_{Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that the financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmarVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera Advisor Networks and Sanders Wealth Management and is not sponsored or endorsed by Cetera Advisor Networks and Sanders Wealth Management.}

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