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For Financial Professional Use Only. Not For Use With The Public.

This content is for informational and educational purposes, and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Individual results may vary based on a financial professional's skill level and competence.

Reference to the terms "advisor," "financial advisor," and "investment advisor" refer to properly licensed or designated financial professionals under the Investment Advisers Act of 1940 and/or State Blue Sky Laws. Partners Advantage Insurance Services and their representatives do not give tax or legal advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Encourage your clients to consult their tax adviser or attorney.

The material is being provided for informational and educational purposes only and is not designed, or intended to be applicable to any financial professional or client's individual circumstances. This content does not constitute a recommendation that anyone engage in (or refrain from) a particular course of action or to utilize a particular third-party or software program vendor. Utilizing third-party vendors does not absolve a financial adviser from their fiduciary responsibilities to their clients. Financial Professionals should ensure they continue to follow the current policies on the use of any advertising, third-party materials and/or social media as required by their broker/dealer and registered investment advisor, if applicable, and the insurance carriers they represent.

Partners Advantage is not affiliated with any third-party vendors, nor do we guaranty the accuracy or quality of their services. Although we may promote and/or recommend the services offered by these companies, financial professionals are ultimately responsible for the use of any materials or services and agree to comply with the compliance requirements of their broker/dealer and Registered Investment Adviser, if applicable, and the insurance carriers they represent. Program availability subject to change at any time and without notice.

Partners Advantage - A Gallagher Company (Partners Advantage) is not a Registered Investment Adviser (RIA) as such, Partners Advantage does not directly offer the concepts or investment platforms discussed. Partners Advantage has business relationships with RIAs for the purpose of wholesaling insurance products to their advisors for which Partners Advantage receives compensation. Partners Advantage is not responsible for any claims or actions brought against financial professionals who independently make the decision to become financial advisers.

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