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SmartVestor is an advertising and referral service for investment professionals operated by The Lampo Group, LLC, d/b/a Ramsey Solutions. SmartVestor provides referrals to financial professionals of LPL Financial, LLC (LPL). SmartVestor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay SmartVestor cash compensation for these referrals, which creates the incentive for SmartVestor to make these referrals, resulting in a conflict of interest. Please visit [https://www.ramseysolutions.com/smartvestor/referrals/RFIDBVWOC6YI2U0E/ramsey_disclosure?key=RFAS0DD97BKUDW3R] to learn more.

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