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Stephen H. Kaster MSFS, ChFC(R), CIMA(R), CLU(R) CA Insurance License #0G95567, AR Insurance License #317684.  Securities offered through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through Equitable Advisors, LLC, an investment advisor registered with the SEC, and annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC. Equitable Advisors and its affiliates and associates do not provide tax or legal advice or services. Nexstep Financial Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. PPG-92147(04/14)(exp.04/16)