Higher Education: College Saving and Funding Strategies

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Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA, SIPC. Cetera is under separate ownership from any other named entity.

Securities and Advisory Services offered through Cetera Advisor Networks, LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from other named entity. Investment Advisory Services may also be offered through HBW Advisor Services, LLC.

Bradford Financial Advisors, LLC. is not a subsidiary of nor controlled by Cetera Advisor Networks, LLC. (member SIPC)

Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for the client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera and Bradford Financial Advisors and is not sponsored or endorsed by Cetera nor Bradford Financial Advisors.

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