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Investment advisory services are offered through Planned Asset Management (PAM) and Quantitative Strategies, Inc. (QSI) both are SEC-registered investment advisers. Registration with the SEC does not imply a certain level of skill or training. Securities are offered through M.S. Howells & Co. (MSH), a registered broker/dealer, Member FINRA/SIPC. MSH is not affiliated with PAM or QSI. Representatives of named entities may only conduct business with residents of the states/jurisdictions where they are properly registered, if required. PAM/QSI provides legal guidance, but are not law firms, and our employees are not acting as your attorney. Please consult an attorney before making any legal decisions. Check the background of the investment firms on SEC’s Adviser Info https://adviserinfo.sec.gov/.