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The Business Cycle

How will you weather the ups and downs of the business cycle?

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Contact

Office: 248-714-5102

Fax: 248-714-5106

141 North Milford Road

Suite 101

Highland, MI 48357

brenda@ramfinancialservices.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.

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Advisory services offered through RAM Legacy Wealth Management,. Securities offered through Calton & Associates, Inc. member FINRA & SIPC. RAM Insurance & Financial Services-dba RAM Legacy Wealth Management,, Calton & Associates, Inc.  are separate entities. Representatives of all disclosed entities do not provide tax or legal advice.

LUTCF-
The Life Underwriter Training Council Fellow (LUTCF) designation is issued by the National Association of Insurance and Financial Advisors (NAIFA). To earn the LUTCF, the adviser completed a curriculum and examinations over three courses covering four practice specialties – life insurance and annuities, health and employee benefits, multiline, and financial advising and investments - providing both an overview of each but also addressing their interdependencies. Candidates must also complete an ethics review, complete three (3) hours of continuing education annually and agree to NAIFA’s code of conduct.  The LUTCF is an educational designation and is not an indicator of the adviser’s investment performance, quality of service, or client experience.

CSA-
The Certified Senior Advisor® (CSA®) designation is issued by the Society of Certified Senior Advisors. To earn the CSA®, the adviser must complete an approved educational program focused on aging, retirement, health care, Social Security, and financial issues affecting seniors, pass a comprehensive examination, and agree to adhere to the organization’s code of ethics. Designees must complete continuing education and pay renewal fees to maintain the designation. The adviser pays initial and ongoing fees, which creates a financial incentive to obtain and maintain the designation. The CSA® is an educational designation and is not an indicator of the adviser’s investment performance, quality of service, or client experience.

Calton CRS forms