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Chris Krupa Downs and Joyce Logan are unassociated with Equitable Advisors, LLC and are soley responible for the content of their presentations and discussions. David Downs, D. Scott Fischer, and Charles Nail offer securities through Equitable Advisors, LLC (NY, NY), member FINRA, SIPC , offer investment advisory products and services through Equitable Advisors, LLC an SEC-registered investment advisor, and offer annuities and insurance through Equitable Network, LLC. Equitable Advisors, LLC and its affiliates do not offer legal or tax advice or services. Consult your own such professions accordingly. Downs Fischer Financial is not owned or operated by Equitable Advisors or Equitable Network. Certified Financial Board of Standards Center for Finanical Planning, Inc. owns and licenses the certification mark CFP® in the U.S. to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. AGE-9026528.1 (07/26)(Exp.07/30)