Welcome To
Michael Coleman, Ph.D.

IMPORTANT CONSUMER INFORMATION

This communication is strictly intended for individuals residing in the states listed below. No offers may be made or accepted from any resident outside the specific states referenced.

We are licensed to sell Insurance Products in the following states:

We are licensed to sell Securities in the following states:

A broker-dealer, investment advisor, BD agent, or an RIA may only transact business in a state if first registered appropriately. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.

For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA representative, a consumer should contact his or her state securities law administrator.

Securities offered through United Planners Financial Services of America — A Limited Partnership

(Member: FINRA www.finra.org, SIPCwww.sipc.org)

California Insurance License #0667255

ResidentNon-resident