Insurance products are offered through LPL or its licensed affiliates. Ascend Federal Credit Union and Ascend Retirement & Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Ascend Retirement & Investment Services, and may also be employees of Ascend Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Ascend Federal Credit Union or Ascend Retirement & Investment Services. Securities and insurance offered through LPL or its affiliates are: