Disclosure

Important Consumer Information

The representatives of Koss Olinger Financial Group are registered representatives with ValMark Securities, Inc., an FINRAregistered broker-dealer. While ValMark Securities, Inc. is registered to sell securities products in all 50 United States and the District of Columbia, Koss Olinger`s representatives are only registered to sell securities products in the following states: AL, AR, AZ, CA, CO, DC, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, MT, NC, NV, OH, OK, PA, SC, TN, TX, VA, WI. Many of Koss Olinger`s representatives are also investment advisor representatives with Koss Olinger Consulting, Inc., an SEC Registered Investment Advisor, and are registered to provide advisory services. The representatives of Koss Olinger are also licensed to offer insurance products in the following states: CA, FL, GA, IL, IN, KS, KY, MA, MI, MN, MO, NC, NV, OH, OR, PA, SC, TN, TX, VA, WI, WY. The information contained herein should not be considered a solicitation or an offer to sell products or services any kind.

ADV-Brochure and Supplemental Brochure

The representatives of Koss Olinger are registered representatives with ValMark Securities, Inc., an FINRA registered broker-dealer.