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Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Charleton Financial are separate entities. Cambridge may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in international jurisdictions where Cambridge and its registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Michael Charleton is securities registered in the following states: AZ, CA, CO, FL, GA, IN, KY, MA, MD, ME, NC, NH, NJ, NM, NY, OH, PA, SC, TX, VA and WA. Health and other non-variable insurance products are not offered through Cambridge. Information provided should not be construed as legal or tax advice; you should speak with an attorney or tax advisor. For financial calculators please visit: http://www.finra.org/investors/tools (if you can not access this link, please copy and paste into your browser). Cambridge did not assist in the preparation of this material, and while it is believed to be from a reliable source, its accuracy and completeness are not guaranteed. Opinions expressed are those of the author and are not necessarily those of Cambridge. The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Cambridge is not responsible for information contained in websites or literature referenced herein. Cambridge, Charleton Financial, LLC and companies with websites listed herein are separate entities, individually owned and operated.