Disclaimer

Securities offered through Cambridge Investment Research, Inc. Member
FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors,
Inc., a Registered Broker/Dealer. Financial Planning through {Insert your RIA
name here}. {Your RIA and Kardia West FWC and Cambridge are not affiliated. This
communication is strictly intended for individuals residing in the states of {list
states where the registered representative is registered to conduct securities
business, and if applicable, as an investment advisor }. No offers may be made or
accepted from any resident outside the specific state(s) referenced.”