Webinar: Estate Planning Made Clear

In this webinar you will learn:

• Why estate planning matters for protecting your family, assets, and wishes
• The essentials: wills, trusts, powers of attorney, healthcare directives, and beneficiaries
• When life changes may signal it’s time to update your plan
• Who to include on your estate-planning team
• Practical next steps to start or revisit your estate plan

Co-presented by:

• Dean Mioli, Director of Investment Planning, Citadel Wealth Management
• Karen M. Stockmal, Founder, KMS Law Offices, LLC

Citadel Wealth Management is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms 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.

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency.

For more information concerning the services your financial representative can offer, please see FINRA Broker Check or Form ADV Part 2B.