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Registered Representative of and securities offered through Securities Management & Research, Inc. (SM&R). Member FINRA/SIPC. Investment advisory services offered through BFC Planning, Inc. Hogan Financial Services, American National family of companies, BFC Planning, Inc. and SM&R are independent entities. Our firm does not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or accounts for which we may receive a commission. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.

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