Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products may be

offered through LPL or other licensed insurance agencies. Cascade Federal Credit Union and Cascade Investments & Retirement are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Cascade Investments & Retirement, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Cascade Federal Credit Union or Cascade Investments & Retirement. Securities and insurance products are:

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL

Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution

for these referrals. This creates an incentive for the Financial Institution to make these referrals,

resulting in a conflict of interest. The Financial Institution is not a current client of LPL for

brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.