
When entering an interest rate, ensure that it is reasonable, accounting for market conditions and the available investment options. T he NASD's maximum allowable interest rate to
illustrate projected investment returns is 12%.
Robert Valentine, Ca. Insurance License# 0C23496, is a Registered Investment Advisor Representative with Financial and Retirement Management, a Registered Investment Advisor and a
registered representative with Securities America, Inc., a Registered Broker Dealer. Securities offered through Securities America, Inc., Member NASD/SIPC. Financial and Retirement
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