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Office: 925-659-0232

Fax: 925-804-2489

3000 Executive Parkway

Suite 400

San Ramon, CA 94583

CA Insurance License No. 0B69397

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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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Copyright 2026 FMG Suite.

Martin S. Johnson: California Insurance License #0B69397

Securities offered through Osaic Wealth, Inc , member FINRA/SIPC. Investment advisory services offered through Sagemark Consulting, a marketing name for Osaic Wealth, Inc. Osaic Wealth, Inc is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

Osaic Wealth, Inc and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

*Associated persons of Osaic Wealth, Inc who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, DE, GA, HI, IL, IN, KS, MI, MT, NJ, NM, NV, OH, PA & UT. No offers may be made or accepted from any resident outside the specific states referenced.