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Lucian Harbar

Financial Advisor

Lharbar@spectrumfr.com

Contact

Office: (248) 643-0033

1661 West Big Beaver Road

Troy, MI 48084

dhoban@spectrumfr.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.

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Securities offered through United Planners Financial Services, member FINRA/SIPC. Advisory services offered through Spectrum Financial Resources. Spectrum Financial Resources and United Planners are independent companies.

Daniel Hoban is registered to conduct securities business in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

Ray Demarti is registered to conduct securities business in Connecticut, Michigan, Florida, and Texas.

Kevin McMillan is registered to conduct securities business in California, Colorado, Florida, Illinois, Michigan, New Jersey, New York, Ohio, and Texas.

James Williams II is registered to conduct securities business in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Maine, Michigan, Minnesota, Nevada, New Jersey, Ohio, Pennsylvania, Tennessee, Texas, Virginia, Washington, and Wisconsin.

Lucian Harbar is registered to conduct securities business in Michigan and Florida.

This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.

Insurance-related services may not be provided to individuals residing in any states other than Michigan.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.

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Lucian Harbar

Financial Advisor

(586) 879-6755

Lharbar@spectrumfr.com

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