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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 Servi ces, American National family of companies, BFC Planning, Inc. and SM&R are independent entities. Dave is registered to sell Securities in the following states: Arizona, California, Colorado, Missouri, New Jersey, Nevada, Utah, Washington, and Wyoming.