This is a hypothetical situation based on real life examples. Names and circumstances have been changed. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments or strategies may be appropriate for you, consult your advisor prior to investing. Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Other advisory services offered through Private Advisor Group, a Registered Investment Advisor. Private Advisor Group and Investors Financial Group are separate entities from LPL Financial. The Five Star Wealth Manager Award is based on 10 objective criteria associated with providing quality service to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the list of Five Star Wealth Mangers. (2016/2017/2018/2019/2020/2021/2022/2023/2024/2025/2026)