Merger of Our Cetera Advisors Teams

Dear Amanda,

We hope this letter finds you well and that you've had a wonderful start to the Spring season. As the tax season comes to a close, we have some exciting news to share with you!

We are pleased to announce that our local Branch of Cetera Advisors will be merging with a larger division of Cetera Advisors, branded as CCR Wealth Management, located here in Massachusetts. This merger will provide us with greater resources and help to expand the breadth and increase the depth of our services. We are thrilled to offer our clients access to CCR Wealth's amazing team of professionals, including investment management, financial planning, and corporate retirement plan expertise.

We want to assure you that in terms of day-to-day operations, nothing will change. Both Brian Thomas and Jessica Loughnane will remain staffed at the Lynn Office on 583 Chestnut Street. We will gradually introduce you to CCR Wealth team members when your personal situation may benefit from their specific areas of knowledge and insight. This merger does not require you to complete any new account paperwork as both offices are through our shared broker-dealer, Cetera Advisors, but you will notice that the managing partner of CCR Wealth's firm, David Borden will be listed on your statements going forward as we all will be working as one team on your behalf. Please feel welcome to visit the full website at www.ccrwealth.com to see the full team.

We encourage you to stop by or give us a call with any questions you may have. Our contact information remains the same for office location and phone numbers. We will be adding the following email addresses for you to use for future correspondence:

Brian Thomas [email protected]

Jessica Loughnane [email protected]

We'd like to share a welcome message from CCR Wealth's Managing Partner, David Borden:

“We are so happy to welcome Cetera Advisors team members Brian Thomas and Jessica Loughnane to CCR Wealth Management. We know that the merger will be a seamless one as our firms share similar cultures and an ethos of trust built on always putting the client - and his or her specific needs - first. We look forward to meeting each of you. Welcome!”

We are excited about this new chapter and the opportunities it presents for us to better serve you. Thank you for your continued trust and confidence in us.

Sincerely,

Brian Thomas

Office: 781-496-3900

Direct Line: 781-519-0461

Jessica Loughnane

Office: 781-496-3900

Direct Line: 781-780-6619

1800 W Park Dr, Suite 150, Westborough, MA 01581 / 72 Queen St, Southington, CT 06489

9 Bryan Hall Plaza, Washington Depot, CT 06794 / 1000 SE Monterey Commons Blvd Suite 302, Stuart, FL 34996

583 Chestnut St, Unit 6 Lynn, MA 01904 / 6 Executive Park Drive, Suite A Clifton Park, NY 12065

2415 Carter Lane, Suite 101 Columbia, MO 65201

508-475-3880 | [email protected] | ccrwealth.com

CCR Wealth Management, LLC provides a wide range of financial advisory services to high-net-worth individuals, corporations, group retirement plans, pensions, and nonprofit organizations. Many of our clients come to us during a variety of life changing events such as: sale of a business, sale of a primary or secondary residence, stock option analysis, retirement, liquidity needs, divorce or loss of a spouse. In any environment, we can customize a unique solution for each situation. We specialize in: Investment Management, Financial Planning, Group Retirement Plans. Retirement Planning, Educational Planning, Insurance Strategies, Tax Efficiency, Group Health & Life Insurance.

The views are those of CCR Wealth Management LLC and should not be construed as specific investment advice. Investments in securities do not offer a fixed rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Investors cannot directly invest in indices. Past performance does not guarantee future results. Additional risks are associated with international investing, such as currency fluctuations, political and economic stability, and differences in accounting standards.

Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC. Member FINRA/SIPC., a broker/dealer and a Registered Investment Advisor Cetera Advisors LLC and CCR Wealth Management, LLC are affiliated. Cetera Advisors LLC does not offer tax or legal advice.

CCR Wealth Management 1800 W. Park Drive, Ste 150, Westborough, MA 01581. PH 508-475-3880 / 72 Queen St, Southington, CT 06489. PH 860-370-2270

Insurance offered through CCR Wealth Management LLC is not affiliated with Cetera Advisors