Securities and insurance services offered through SagePoint Financial, Inc., member
FINRA/SIPC. Advisory services offered through Bivin & Associates, Inc., which is not affiliated with SagePoint Financial, Inc.
This communication is strictly intended for individuals residing in the state(s) of AZ, AR, CA, CO, FL, GA, HI, IL, KS, MD, MO, NE, NJ, NM, OH, OK, TX, VA and WA. No offers may be made or accepted from any resident outside the specific states referenced.