Advisory services offered through Edelman Financial Services, LLC (“EFS”). Securities offered through EF Legacy Securities, LLC (“EFLS”), an affiliated broker/dealer, member FINRA/SIPC. Life, long-term disability, long-term care or other non-variable insurance products offered through EFS and Edelman Insurance Services LLC in California, license no. 0G00750. Variable insurance products offered through EFLS and EF Legacy Insurance Agency LLC in California, license no. 0L01472.