Investment Advisory Services offered through Asset & Financial Planning, Ltd. (AFP). Securities offered through Prime Capital Services, Inc. (PCS). Member FINRA/SIPC. Accounts carried with National Financial Services, LLC (NFS). Member NYSE/SIPC. NFS is a wholly owned subsidiary of Fidelity Investments. PCS, AFP, NFS, Fidelity Investments are not affiliated.

Withdrawals are generally taxed as ordinary income and may be subject to a 10 percent federal income tax penalty if made prior to age 59 1/2. Required minimum distributions begin at age 70 ½ or retirement, which ever is later.

Investments and Securities involve risk. A no-load fund is a Mutual Fund that does not impose a sales charge (or “load”) when you buy or sell shares of that fund — but which typically has other costs, including shareholder fees and annual operating expenses. Mutual Funds are sold only by prospectus, which contains more complete information on expenses and risk factors. Be sure to read the prospectus carefully before deciding whether to invest.