| Tom Luing, Investment Adviser Representative | Capital Management Associates, Inc. |
| 7900 Xerxes Avenue South Suite 500 |
• | Bloomington, MN | • | 55431 |
| Phone: Direct: 952-746-1111 Main: 952-893-1200 | • | Fax: 952-893-0133 |
| • | toml@tomluing.com |
As a Certified Financial Planner® , who focuses on your personal financial situation and helps you pursue your dreams, Tom Luing adheres to the highest standards and code of ethics in the industry. Securities through Capital Management Securities, Inc., Member FINRA, SIPC Private Policy.