Securities and/or insurance services offered through SagePoint Financial, Inc., a member FINRA/SPIC. Persons associated with Bivin & Associates, Inc. who are registered representatives with SagePoint may not make or accept any offers for the sale of securities
or insurance products from any individual residing outside of the states they are registered in. Investment Adviser Representatives of Bivin & Associates, Inc., an Investment Advisor Firm which is not affiliated with SagePoint Financial, Inc., only offers
investment advisory services to U.S. residents in the states where they and Bivin & Associates, Inc. are properly registered or are excluded or exempt from registration requirements.
This communication is strictly intended for individuals residing in the state(s) of AZ, AR, CA, CO, FL, IL, KS, MD, MO, NJ, NM, OH, OK, TX and WA. No offers may be made or accepted from any resident outside the specific states referenced.