Only securities and advisory services offered through Wall Street Financial Group, Inc. (WSFG), Registered Investment Advisor, Member FINRA/SIPC.  WSFG may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempt from registration requirements.  Any communications with prospective clients residing in international jurisdictions where WSFG and its registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements.  Securities services may not be provided to individuals residing in states other than AZ, FL, GA, KY, MA, MD, NV, NY, NC, OR and VA.  Advisory services may not be provided to individuals residing in states other than AZ, CA, MA, NY and OR.  Insurance services may not be provided to individuals residing in any states other than NY.  Health and other non-variable insurance products are not offered through WSFG.  for financial calculators please visit: http://apps.finra.org/investor_Information/Tools/Calculators/calc_disclaimer.asp (if you cannot access this link, please copy and paste into your browser).  Information provided should not be construed as legal or tax advice; you should speak with an attorney or tax advisor.  WSFG did not assist int he preparation of this material, and while it is believed to be from a reliable source, its accuracy and completeness are not guaranteed.  Opinions expressed are those of the author and not necessarily those of WSFG.  The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy.  WSFG is not responsible for information contained in websites or literature referenced herein.  WSFG, Dean Licata & Associates, LLC, and companies with websites listed herein are separate entities, individually owned and operated.