Gary Williams is President and Founder of Williams Asset Management located at 8850 Columbia 100 Parkway, Ste. 204, Columbia, MD 21045. (410) 740-0220. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member www.FINRA.org/www.SIPC.org, and a Registered Investment Adviser. In 1997, Gary undertook the in-depth study and examinations required to earn the CERTIFIED FINANCIAL PLANNER™ certification, which offers expertise in retirement, tax, financial and estate planning. In 2004, Gary earned the Chartered Retirement Planning Counselor™ designation to more formally hone his skills as a retirement planning specialist. Finally, in 2010, Gary earned his Accredited Investment Fiduciary® designation, which requires putting participant’s needs first, which is the highest standard of care when working with retirement plans. Gary is also the author of The Art of Retirement (with Foreword by NFL Legend Ronnie Lott), visit www.theartofretirement.org to learn more. This communication is strictly intended for individuals residing in the states of AR, CA, CO, DE, FL, GA, IN, MA, MD, ME, MI, MO, NC, NH, NJ, OH, PA, SC, TN, TX, UT, VA, WV. Fixed insurance products and services offered by Williams Asset Management. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services.