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Locations: 5050 Poplar Avenue,Suite 2405, Memphis, TN 38157 901-312-1630 | 844-224-7680 Firm License #263978 | Melissa Sumner, Principal Broker License # 277821 Copyright 2016 © RSFinancialGroup.com All rights reserved. IRS Circular 230 Disclaimer: To ensure compliance with IRS Circular 230, any U.S. Federal Tax Advice Provided in this communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (I) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer, or (II) in promoting, marketing or recommending to another party, a partnership or other entity, investment plan, arrangement or other transaction addressed herein. Investment Advisory Services offered through Virtue Capital Management, LLC; A SEC registered investment advisor. Virtue Capital Management is independent of RS Financial Group. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Please be advised that presently, Chris Sumner holds Series 65 Licenses. For residents of other states in which registration is not held, proper licenses and registrations must be obtained by Chris Sumner before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available by contacting RS Financial Group or Virtue Capital Management. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives

Fiduciary duty extends solely to investment advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long-term care insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. The investment adviser representative (“IAR”) is also a licensed insurance agent. In this capacity, the IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through the IAR on a commissionable basis. In addition, the IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when the IAR acts as an insurance agent may give the IAR an incentive to recommend insurance products based on the compensation received. Insurance and annuity products are not sold through Virtue Capital Management, LLC (“VCM”). VCM does not endorse any annuity or insurance products nor does it guarantee any annuity or insurance products performance. Any guarantees mentioned are backed by the financial strength and claims paying ability of the issuing insurance company and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract.

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