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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. Novartis Federal Credit Union (FCU); Novartis Financial Planning Services & First Financial FCU; First Financial Investment and Retirement Center are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Novartis Financial Planning Services and First Financial Investment and Retirement Center and may also be employees of Novartis FCU or First Financial FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Novartis FCU; Novartis Financial Planning Services or First Financial FCU; First Financial Investment & Retirement Center. Securities and insurance offered through LPL or its affiliates are: