Neal Huffman

Neal Huffman, RICP® Transitions Financial, LLC (720) 331-2876 NHuffman@GradientAdvisors.com   Neal Huffman offers investment advisory services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor.  Gradient Advisors, LLC and its advisors do not render tax, legal or accounting advice.  Transitions Financial, LLC is not a registered investment advisor and is independent of Gradient Advisors, LLC. Insurance products and services are offered through Neal Huffman, independent agent.     This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure.  If you are not the named addressee, you are not authorized to read, retain, copy, or disseminate this memo or any part of it.  If you have received this memo in error, please notify the sender immediately by Email or fax, and destroy all copies of this communication.  Please be further advised that, pursuant to the Bank Secrecy Act, the USA PATRIOT Act, and similar laws, any communication in this e-mail is subject to regulatory, supervisory, and law enforcement review.   Transitions Financial, LLC, Neal Huffman, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.