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Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with one of our individual advisors prior to implementation. Any guarantees implied are based upon the claims paying ability of an insurance company. Investing in the market is risky. All fee-based financial planning and investment advisory services are offered by Brown Financial Advisors, a Registered Investment Advisory firm in the States of Ohio, Kentucky, Indiana and Florida. Past performance is no guarantee of future results. All insurance and tax services are offered through Brown Insurance and Tax Advisors, LLC., a separately held company.