Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. Dow Credit Union and Retirement & Investment Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Retirement & Investment Center, and may also be employees of Dow Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Dow Credit Union or Retirement & Investment Center. Securities and insurance offered through LPL or its affiliates are: