I’m pleased to invite you to an exclusive educational event designed to help you take control of your estate planning with clarity and confidence.

Topic: Four Trusts for Estate Planning

Estate planning isn’t just about documents, it’s about protecting your family, preserving your wealth, and ensuring your wishes are honored. In this session, we’ll explore four powerful trust strategies:

· Revocable Living Trust – Avoid probate and maintain control during your lifetime

· Irrevocable Life Insurance Trust (ILIT) – Reduce estate taxes and protect life insurance proceeds

· Spousal Lifetime Access Trust (SLAT) – Provide access for your spouse while preserving tax benefits

· Intentionally Defective Grantor Trust (IDGT) – Maximize flexibility and minimize estate taxes

Why Attend? Whether you're just starting your estate plan or refining an existing one, this event will help you understand which trust structures may be right for your goals. You'll learn how these tools can:

· Protect your assets and beneficiaries

· Minimize estate and gift taxes

· Provide privacy and control

· Support long-term financial planning

I look forward to helping you build a more secure and intentional future.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services LLC nor any of its representatives may give legal or tax advice.