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Gradient Financial Direct LLC is a member of the Gradient Financial Group, which offers and provides a wide array of resources and support to financial services professionals. Gradient Financial Group, LLC provides services to the Member firms comprising the Gradient Financial Group, but it does not directly or indirectly control the management, policies, or business operations of any of the Member firms, which are each separate, distinct, and independent entities. Gradient Financial Direct LLC is an SEC registered investment advisor. Investment advisory services offered through Gradient Financial Direct LLC (Arden Hills, MN 888-744-5303), a SEC Registered Investment Advisor. Gradient Financial Direct LLC and its advisors do not render tax, legal, or accounting advice. Insurance products and services offered through Gradient Insurance Management, LLC. Gradient Financial Direct, LLC is not affiliated or endorsed by the Social Security Administration or any other government agency. Exclusive rights to this material belongs to Gradient Positioning Systems, LLC. The unauthorized use of the material and content is strictly prohibited. © Gradient Positioning Systems, LLC / All Rights Reserved.

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