Investment advisory services offered through Allmerits Asset, LLC, a Registered Investment Adviser firm. Allmerits Asset does not provide legal or tax advice. Investment Adviser Representatives of Allmerits Asset may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and Annuity products are sold separately through Allmerits Financial and Insurance Service. Securities transactions for Allmerits Asset clients are through Trust Company of America, TD Ameritrade, Nationwide, John Hancock and American Funds.