Investments offered through registered representatives of Lincoln Financial Securities Corporation, Member SIPC, to U.S. citizens in all 50 states, Washington DC, Puerto Rico, and the U.S. Virgin Islands. F & S Asset Management Group (FSAMG) is an SEC registered investment adviser that has notice filed in AZ, CA, CO, CT, FL, GA, IL, MD, MA, MI, MO, NC, NH, NJ, NM, NY, OH, PA, SC, TX, VA, WA, and WV. A broker-dealer "BD", investment adviser "IA", a BD Agent or IA Representative may only transact business in a state if first registered in that state, or is excluded or exempt from registration in that state as a broker-dealer, investment adviser, BD Agent or IA Representative, as appropriate.  No transaction (BD or IA) will be affected or attempt to be affected without first complying with appropriate registration requirements or applicable exemptions or exclusions.  Lincoln Financial Securities Corporation and F & S Asset Management Group are not affiliated. In NY and CA, insurance may be offered through LFS Marketing & Insurance Agency Corporation.  For CA, insurance may be offered through individual licensed insurance professionals K. Wayne McLeod (CA license #0C50825) and Don Dyer (CA license #0561231).