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ELA Financial Group, Inc.

Office: 201.848.0704

Toll-Free: 800.473.0704

Fax: 201.847.0506

642 Wyckoff Avenue

Wyckoff, NJ 07481

tomela@elafinancial.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Securities and advisory services offered through registered representatives of Cetera Advisor Networks LLC, member FINRA &#38; SIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity.

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Important Disclosures | Business Continuity |

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.