Our Specialties

**Lois Leynse  offer these services through her affiliation with Avantax Investment Services℠ and Avantax Advisory Services℠

**Lois Leynse,  Anne Lowry and Jennifer Stewart-Smith offer these services through their affiliation with Avantax Investment Services℠ and Avantax Advisory Services℠

**The return and principal value of bonds fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value.

**The return and principal value of stocks fluctuate with changes in market conditions. Shares when sold may be worth more or less than their original cost.

**Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing.

**Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan

**Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Avantax Advisory Services Inc. Advisory Services Agreement and disclosure brochure as provided.

**Investing in mutual funds is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives. Exchange-traded funds are sold only by prospectus.

**Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact Lois Leyes at 295 27th Street Oakland, CA 94612 or (510) 653-1914 to obtain a prospectus, which should be read carefully before investing or sending money.

**The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Life insurance contracts require the owner to make premium payments as described in the contract. Failure to make payments will eventually result in a “lapse” of the contract leaving the client without life insurance coverage. Depending on the health of the insured, obtaining coverage after a lapse may be more expensive, or impossible.

**Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks and how the variables are calculated.