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Kristin W. Oswald, CFP®, ChFC®, CLU®, AIF® and JoAnne DePalma, CFP®, AIF® registered representatives offering securities and advisory services through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and Registered Investment Advisor. Cetera is under separate ownership from any other named entity.
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