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Tim Smith, CLU, ChFC, RHU, Phillip Mottini, AIF and John Mulvaney, MBA, ABA, EA, RFC, CEP are Registered Representatives offering securities and advisory services through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA, SIPC. Cetera is under separate ownership from any other named entity. Tim Smith CA Insurance License 0817798, Phillip Mottini CA Insurance License 0E16847, John Mulvaney CA Insurance License 0B49989
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