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. America First Credit Union and America First Investment Services are not registered ad broker/dealers or investment advisors. Registered representatives of LPL offer products and services using America First Investment Services 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 America First Credit Union and America First Investment Services. Securities and insurance offered through LPL or its affiliates are not insured by NCUA or any other government agency, not credit union deposits or obligations, are not guaranteed by the credit union, and may lose value. America First Credit Union provides referrals to financial professionals of LPL Financial pursuant to an agreement that allows LPL to pay the financial institution for these referrals. This creates an incentive for financial institutions to make these referrals, resulting in a conflict of interest. America First is not a current client of LPL for brokerage or advisory services. Please visit lpl.com/ disclosures/is-lpl-relationship-disclosure.html for more detailed information.