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Securities offered through FIRST HEARTLAND® CAPITAL, INC. Member FINRA/SIPC
4101 Lake St. Louis Blvd. Lake St. Louis, MO 63367  636.625.0900
Advisory services offered through First Heartland® Consultants, Inc.
Prudent Financial is not affiliated with First Heartland® Capital, Inc.

For more information about First Heartland® Capital, Inc. you can visit https://www.firstheartland.com. First Heartland® Capital, Inc. Form CRS

This site has been published in the United States for residents of the United States. The entire site has been prepared solely for informational purposes, and nothing contained herein should be construed as an offer to buy or sell, or a solicitation to buy or sell, any security or other investment product or to participate in any particular trading strategy. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action. All views expressed and materials presented are subject to change without notice and are not intended and should not be construed as investment, tax, or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. All information is believed to be from reliable sources; however, no representation is made as to its completeness or accuracy. All investing involves risk, including the possible loss of principal and there can be no assurance that any investment strategy will be successful. To the extent that a reader has questions regarding the applicability of any specific issue discussed to his/her individual situation, he/she is encouraged to consult with his/her Financial Professional.

Registered representatives of First Heartland® Capital, Inc. and/or First Heartland® Consultants, Inc., a registered broker/dealer and registered investment adviser based in Lake Saint Louis, Missouri, may discuss and/or transact business in a particular state only if first registered, excluded or exempted from registration requirements. Robert Cremerius and David Cremerius are Registered Representatives of First Heartland® Capital, Inc., and Investment Advisor Representatives of First Heartland® Consultants, Inc. To view their current state registrations, view their Broker Qualifications on FINRA's BrokerCheck.

*Stocks, mutual funds and variable products are not suitable for all investors. Before making any purchase you should carefully read the prospectus and prospectuses for the underlying investment portfolios of variable products. In addition to carefully reviewing the prospectus, you are advised to consider the investment objectives, risks and charges, and expenses of the investment before investing. A prospectus may be obtained from our office or directly from the mutual fund company, insurance company or offering entity. **Variable annuities are long-term investments designed for retirement purposes. Variable products have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any variable investment options in a product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. ***Index or fixed annuities are not designed for short-term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Annuity product guarantees including optional benefits, for both fixed and variable annuity products, rely on the financial strength of and are subject to the claims‐paying ability of the issuing company.

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