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Ray Duenas is an Investment Advisor Representative Offering Securities and Advisory Services through United Planners Financial Services, Member: FINRA/SIPC. Stewardship America Financial and United Planners are independent companies and not affiliated.

Ray Duenas is registered to conduct securities business in AZ, CA, CO, FL, GA, KY, MD, ME, MI, MN, NC, NM, NJ, NY, PA, SC, TN, TX, VA, WA and WI. This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.

Insurance-related services may not be provided to individuals residing in any states other than AZ, CA, CO, FL, GA, KY, MD, ME, MI, MN, NC, NM, NJ, NY, PA, SC, TN, TX, VA, WA and WI.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or 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.

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The content herein is developed from sources believed to provide 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 Advisor Websites to provide information on a topic that may be of interest. Advisor Websites 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.