Improvements to Military Facility Will Benefit Illinois' Servicemembers

MILAN - Governor Pat Quinn today announced a $404,500 state and federal investment to make needed improvements to the Milan Readiness Center. Today's announcement is part of Governor Quinn's agenda to create jobs and drive Illinois' economy forward, and to make sure men and women serving our country have the facilities they need to support their mission.

"We need to make sure our state's infrastructure is properly maintained, especially when it comes to facilities used by our servicemembers," Governor Quinn said. "This work on the Milan Readiness Center will help this vital military facility supply our citizen soldiers with the training and support they need."

The heating, ventilation and air conditioning system at the armory will be upgraded, including the replacement of the exhaust system and dampers, upgrading the boiler system and replacing the system controls. The project will also upgrade the electrical distribution system, including the installation of distribution and breaker panels and new conduit as required. Loescher Heating & Air Conditioning of Freeport was the low bidder for the project at $404,500. The project will be managed by the Illinois Capital Development Board.

"I applaud Governor Quinn's announcement today of Illinois' investment in improvements at the Milan Readiness Center," State Representative Patrick Verschoore (D-Milan) said. "I have fought hard for any investment that will help increase the efficiency of our brave young men and woman serving in our military as well as ensure they have all the tools necessary in order to be prepared for any task they are called upon to complete."

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Last year's extreme winter caused damage to many trees and shrubs; With another cold winter predicted, experts from the Professional Landcare Network offer advice to protect trees and shrubs.

HERNDON, Va. - Last year's long cold winter took many people in the East by surprise and resulted in damage to otherwise healthy plants, trees and shrubs.  With the Farmer's Almanac predicting another extremely cold winter, landscape experts from the Professional Landcare Network (PLANET), the national landscape and lawn care association, offer advice to homeowners who want to protect trees and shrubs from damage.

"A lot of homeowners were taken by surprise by our cold harsh winter last year," said Nikos Phelps, PLANET member and president, Utopian Landscapes in Harrisburg, Pennsylvania. "We had warmer than normal winters for the past 10-15 years, so people got used to not having to go the extra mile to protect plants and trees for a harder winter." 

Cold winds, frigid temperatures, and dry air can damage otherwise healthy plants. Many home owners invest hundreds, and even thousands of dollars into the purchase of plants. To protect that investment and avoid costly replacements next year, landscape experts from PLANET offer the top five strategies that homeowners should consider to protect trees and shrubs this winter.

Water deeply in late fall. Many people think their plants don't need water in the winter or they assume snow melt will provide enough hydration.  Plants do need to have access to water in the soil during winter.  Watering deeply in late fall before the first frost will help ensure that they have access to water after the ground freezes.

Wrap plants or smaller trees. Many plant varieties like roses, butterfly bushes, hydrangeas, and crape myrtles experienced damage last winter.  To provide plants with extra protection from the wind and cold, wrap them in burlap or a frost protection fabric and plant them along a building or fence that offers some wind protection. Dead leaves can also be stuffed inside and around the branches and at the base to add extra insulation. 

Don't fertilize trees and shrubs in fall. Plants need to slow down their growth in the fall to ensure they harden off and prepare for winter.  In general, homeowners should stop giving fertilizer to plants well before the first freeze.  Homeowners should always follow the local municipal rules for fertilization.  Some locations regulate the time of year that fertilizer can be applied.

Don't prune plants in late fall. Pruning can encourage new growth, so it is generally not a good idea to prune most plant varieties as winter nears because the cuts may not have time to heal before it freezes.

Apply anti-desiccant or anti-transpirant to protect trees. Many tree care or landscape companies can apply anti-desiccants to trees to help protect them during the winter.  It coats the trees and can help shield them from cold winds and dry air if applied as the manufacturer recommends.

"It is also important that people plant trees and bushes in good locations where they have protection from the elements," said Phelps. "Plants like crape myrtles do well when planted in a sunny, wind- protected area.  A south-facing wall of the house works well."

For more ideas about how to care for you landscape or for more information about hiring a landscape professional near you visit www.loveyourlandscape.com.

ABOUT PLANET
PLANET is the national trade association representing more than 100,000 landscape industry professionals, who create and maintain healthy, green living spaces for communities across America. PLANET members are committed to the highest standards in industry education, best practices and business professionalism. Many of PLANET's professionals have attained the status of becoming Landscape Industry Certified, achieving the greatest level of industry expertise and knowledge. Visit PLANET at www.landcarenetwork.org.  
The Quad Cities Comic Book Convention will be held on Sunday October 5 at the Ramada Inn in Bettendorf, IA. The Ramada Inn is located at 3020 Utica Rd (I-74 @ Kimberly Rd / Spruce Hills Dr, IA Exit 2). It will be open to the
public from 10 AM to 4 PM and admission for the public is free. Dealers from three states specializing in comic books new and old, toys and related. Or if you have old comics lying around that you no longer want bring them by dealers are buying. For further information contact Alan at (309) 657-1599 or visit www.epguides.com/comics.

Davenport, Iowa - Making ends meet should not mean going without your medication. Medicare prescription drug coverage, known as Part D, helps fill the gap for eligible Quad Citians but unfortunately many don't review their policies and find themselves spending more money on prescriptions drugs then may be necessary. This is why it is so important for Medicare recipients to take part in the annual Medicare Open Enrollment period, October 15 through December 7.

On October 15, the Centers for Medicare and Medicaid Services (CMS) will announce its Part D plans for 2015.  According to CMS, there are several plan changes which will impact Iowans. "Iowa will have 29 stand-alone drug plans in 2015, compared to 32 for 2014," says Kris Gross from the Senior Health Insurance Information Program (SHIIP).  "It is very important that Iowans do a Part D check-up and see if their current plans will still provide the best coverage for 2015."

According to SHIIP, seven plans were dropped and four new plans were added. Thirteen plans show reduced premiums and thirteen plans increased theirs.  None of the plans cover brand name drugs in the coverage gap, but several cover generic drugs.  There are five plans which are available at $0 for people who qualify for the full Part D extra help.

Going through this process can be confusing that is why the Center For Active Seniors, Inc. (CASI) is offering free assistance through its SHIIP program. Five specially trained SHIIP volunteers will be available, during the open enrollment period, by appointment, Monday through Friday, to offer assistance in finding coverage that best fits a Medicare recipient's needs.

Those interested in meeting with a CASI SHIIP counselor must make an appointment, in advance, by calling 563-386-7477. Counselors will offer this free assistance from October 15 through December 7 on the following days and times: Noon-5 p.m. on Mondays, 1-6 p.m. on Tuesdays; 9 a.m. - Noon on Wednesdays, 9 a.m. - Noon and 12:30 p.m. - 3:30 p.m. on Thursdays and from 9:30 a.m. - 11:30 a.m. and 12:30 p.m. - 3:30 p.m. on Fridays. Counselors ask that you have a valid photo identification card, your Medicare card and a list from your pharmacy of all current medications. If a list cannot be provided, CASI's SHIIP counselors ask that you bring all your prescription medications to your schedule appointment.

During this same period you can enroll in a Medicare prescription drug (Part D) plan if you missed the enrollment deadline earlier this year.  SHIIP counselors can assist you with enrollment in a Part D plan also.  If you're happy with the plan you have and what it's going to be offering next year you don't need to do anything.  Your enrollment will continue into next year.

CASI was established in 1972 and serves the needs of older adults by providing a variety of events and activities focused on health and wellness, social engagement, lifelong learning, and community involvement. CASI also provides a senior advocacy program to assist older adults, their families, and caregivers in needs assessment and referral for services. Jane's Place at CASI is the only adult day services center in Eastern Iowa serving adults with Alzheimer's and dementia. Please contact CASI for additional information.

Washington, D.C. - Congressman Dave Loebsack announced today that he will join local officials in Davenport , Friday, October 3rd to award a major federal grant to the Quad Cities Food Hub. The grant comes from the U.S. Department of Health and Human Services' Administration for Children and Families/Office of Community Service and will provide funding to establish the Quad Cities Food Hub Healthy Food and Farms Project. Congressman Loebsack has been a longtime supporter of the Food Hub and wrote a letter of support on their behalf to help obtain this funding.

19 separate local labor unions vote to endorse Jacobs for Senate

ROCK ISLAND- The Tri-City Building & Construction Trades Council and its 19 Quad City-area labor unions are proud to announce their support of Mike Jacobs' reelection for Illinois State Senate.

"Mike Jacobs' experience and persistence are proven assets for the 36th District," said Rory Washburn, Executive Director of the Tri-City Building & Construction Trades Council. "Mike Jacobs is committed to the economic development of our region. We have seen this with the construction dollars he has worked tirelessly to secure for projects like Western Illinois University Quad Cities-Riverfront Campus, Kone Center and the Thomson Prison."

"His unwavering support helps provide our members opportunities to support their families and this community in positive ways," said Washburn. "We believe Mike Jacobs' firm commitment has earned him the opportunity to continue serving the people of the 36th Senate District."

Labor unions who support Mike Jacobs include the following:

Boilermakers Local 60

Bricklayers Local 6

Chicago Carpenters District Council

Cement Masons Local 18

Electricians Local 34

Electricians Local 145

Electricians Local 176

Elevators Constructors Local 33

Glaziers Local 581

Insulators Local 81

Ironworkers Local 111

Millwrights Local 2158

Operating Engineers Local 150

Painters Local 502

Plasterers Local 18

Plumbers & Pipefitters Local 25

Roofers Local 32

Sheet Metal Workers Local 91

Sprinkler Fitters Local 669

Security in Des Moines
While Braley fights to protect & strengthen Social Security and Medicare, Ernst supports proposals to privatize Social Security and end Medicare guaranteed benefits
 
Des Moines, IA - Today, Bruce Braley and Senator Tom Harkin visited the South Side Senior Center in Des Moines to meet with seniors and discuss the clear choice in the U.S. Senate race on retirement security.
 
"Today I had important conversations with Iowans about my commitment to protecting and strengthening Social Security and Medicare for generations to come," said Braley. "Social Security and Medicare are a promise that if you work hard, the benefits you've earned will be there for you when you retire. But Sen. Ernst has supported proposals that would privatize Social Security, gamble retirees' savings on Wall Street, and end Medicare as we know it. That's not a retirement plan for Iowans, that's a retirement plan for Wall Street executives--and it's wrong for Iowa."
 
Bruce Braley, who has earned the endorsement of the National Committee to Preserve Social Security and Medicare and the Alliance for Retired Americans, has worked to protect and strengthen Social Security and Medicare. Braley strongly opposes risky privatization schemes that end guaranteed benefits and put Iowa seniors' retirement security in the hands of Wall Street. Braley has also opposed efforts to reduce future Social Security benefits for retirees if cost-of-living increases were shifted to a so-called "chained CPI" calculation.
 
"Bruce Braley is a champion for our seniors and ensuring their retirement security is never gambled away with risky Tea Party schemes," said Harkin. "There's a clear choice in this election - Bruce Braley is the only candidate with a clear record of putting Iowa's seniors before the special interests. Iowa's seniors deserve a U.S. Senator like Bruce who will fight for them."

In contrast, state Sen. Joni Ernst has called privatizing Social Security-which would undermine the program and put benefits at risk-an "option." Sen. Ernst has also supported plans that would end Medicare's guaranteed benefits, increase health care costs, and reopen the donut hole.
 
 
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The American Democracy Legal Fund has filed a complaint with Iowa Attorney General Tom Miller requesting his office investigate whether Joni Ernst violated Iowa conflict of interest laws while serving as Montgomery County Auditor and the county's Chief Financial Officer for its flood disaster assistance operation while her father secured county contracts for his construction business. Under Iowa law, county officers or employees are prohibited from having "an interest, direct or indirect, in a contract with that county." Ernst appears to have had an interest in the contracts awarded to her father's company as a result of their familial relationship.

The full complaint and associated exhibits are available here.

The American Democracy Legal Fund is a group established by David Brock and run by Brad Woodhouse to hold candidates for office accountable for possible ethics and/or legal violations.


American Democracy Legal Fund

455 Massachusetts Avenue, NW

Washington, DC 20001

Honorable Tom Miller

Iowa Attorney General

1305 E. Walnut Street

Des Moines, IA 50319

 

Dear Mr. Miller:

The American Democracy Legal Fund ("ADLF") respectfully requests that your office investigate whether Joni Ernst violated Iowa conflict of interest laws while serving as Montgomery County Auditor and the county's Chief Financial Officer for its flood disaster assistance operation as her father, Richard Culver, secured county contracts for his construction business.

Background

Ms. Ernst was elected as Montgomery County Auditor in November 2004, and continued in that position until January 2011.[1] In June 2007, Ms. Ernst also was named the Chief Financial Officer for the county's flood disaster assistance operation.[2] In those roles, Ms. Ernst was involved in supervising the process for awarding county construction contracts, and was responsible for initiating contract bid notices and soliciting proposals for county contracts.[3]

During Ms. Ernst's tenure, Montgomery County awarded a total of $215,665 in government contracts to Culver Construction, owned by Ms. Ernst's father, Richard Culver.[4] Notably, Culver Construction's winning bids regularly came in just under those of other bids, and Culver Construction does not appear to have received any county contracts prior to Ms. Ernst's assuming her position as auditor.

Culver Construction apparently was awarded its first county contract in April 2009.  According to the minutes of the Montgomery County Board of Supervisors, the county awarded Culver Construction a FEMA grant contract for $40,428, the "low quote" for the project.[5] A few months later, in August 2009, Culver Construction was awarded another FEMA grant contract, this one for $63,501.[6] The county received two quotes for this contract, and Culver Construction's was "approximately $10,000 under the second bidder."[7] In October 2009, Culver Construction was awarded a FEMA repair project contract for $32,425 after reportedly coming in with the lowest bid.[8]

With Ms. Ernst still serving as County Auditor, Montgomery County awarded Culver Construction three more contracts in 2010.  In April 2010, Culver Construction was awarded a Department of Homeland Security grant contract for $10,871, just $680 below the next lowest bidder.[9] A few days later, Culver Construction was awarded a $59,480 contract for a FEMA grant project.[10] In that instance, there were two bids, and Culver's was $6,513.96 less than the other bid of $65,993.96.[11] Even as Ms. Ernst was running for state senate in December 2010,[12] Montgomery County awarded Culver Construction another FEMA contract, this one for $8,960, to repair three flood damaged sites.[13]

Legal Analysis

Under Iowa law, county officers or employees are prohibited from having "an interest, direct or indirect, in a contract with that county." Iowa Code Ann. § 331.342(2).  Ms. Ernst appears to have an indirect interest in the contract's awarded to her father's company as a result of their familial relationship.

While § 331.342(2) does not define a direct or indirect interest, Iowa has a long history of broadly interpreting conflict of interest laws.  As the state Supreme Court made clear in Wilson v. City of Iowa City: "We doubt if any rule of law has more longevity than that which condemns conflicts between the public and private interests of governmental officials and employees nor any which has been more consistently and rigidly applied."  165 N.W.2d 813, 822 (Iowa 1969).  The "well-established and salutary rule" that a person "who is entrusted with the business of others cannot be allowed to make such business an object of pecuniary profit to himself . . . does not depend upon reason technical in character and is not local in its application."  Bay v. Davidson, 111 N.W. 25, 26 (Iowa 1907).  The rationale for conflict of interest rules, Iowa courts repeatedly have asserted, is "a man cannot serve two masters [because] . . . [a] temptation would be offered . . . to disregard his public duty, and yield to the temptation of personal interest."  James v. City of Hamburg, 156 N.W. 394, 309-10 (Iowa 1916); see also, e.g., Wilson, 165 N.W.2d at 819.

Wilson demonstrates how broadly Iowa interprets conflict of interest statutes.  That case considered whether section 403.16 of the Iowa Code, which provided that "no public official or employee of a municipality . . . shall voluntarily acquire any personal interest, direct or indirect, in any urban renewal project," barred members of a city council from voting on an urban renewal project in which they had financial and other interests.  165 N.W.2d at 817.  Looking to the purposes of conflict of interest laws, the Court decided one council member had a conflict of interest simply because he held "positions of responsibility" with the University of Iowa, which was vitally interested in the urban renewal project.  Id. at 821-24.  A public employee's interest does not have to be financial, or even that the official "sought or gained" a private "advantage," the Court concluded.  Id. at 822.  "It is the potential for conflict of interest which the law desires to avoid."  Id. (emphasis in original); see also Iowa Farm Bureau Fed'n v. Envtl. Prot. Comm'n, 850 N.W.2d 403, 415 (Iowa 2014).

The conflict of interest statute here prohibits a county employee from having a direct or indirect interest in a contract with the county.  Ms. Ernst appears to have had at least an indirect interest in contracts Montgomery County awarded to her father's company while she served in a public position involving county contracts.  At a minimum, the potential for a conflict of interest clearly existed.

Conclusion

ADLF therefore requests that your office immediately commence an investigation into whether Ms. Ernst violated Iowa conflict of interest statutes.  These laws are critical to preventing officials from putting their private interests before the public's, and should be enforced vigorously.

Please do not hesitate to contact me if I can be of further assistance.

Sincerely,

Brad Woodhouse

Treasurer

Encls.



[1] Iowa Legislature website, Senator Joni Ernst profile (attached as Exhibit A); Montgomery Says Farewell To Auditor, Daily Nonpareil (Council Bluffs), January 9, 2011 (attached as Exhibit B).

[2] Montgomery County Supervisors Minutes, June 7, 2007 (attached as Exhibit C).

[3] Iowa State Association of County Auditors, County Auditor Duties & Responsibilities, available at http://www.iowaauditors.org/aud_responsibilites/index.html.

[4] Joni Ernst for U.S. Senate, Inc., FEC Form 3, 2013 October Quarterly Report, Amended, March 4, 2014 (excerpts attached as Exhibit D).

[5] Montgomery County Supervisors Minutes, April 9, 2009 (attached as Exhibit E).

[6] Montgomery County Supervisors Minutes, August 27, 2009 (attached as Exhibit F).

[7] Id.

[8] Montgomery County Supervisors Minutes, October 29, 2009 (attached as Exhibit G).

[9] Montgomery County Supervisors Minutes, April 8, 2010 (attached as Exhibit H).

[10] Montgomery County Supervisors Minutes, April 15, 2010 (attached as Exhibit I).

[11] Id.

[12] Amy Hansen, Smith, Ernst Offer Differing Approaches To Improve Iowa, Red Oak Express, December 21, 2010 (attached as Exhibit J).

[13] Montgomery County Supervisors Minutes, December 9, 2010 (attached as Exhibit K).

Soy checkoff study compares cost, transit times of soy shipments from U.S., Brazil, Argentina

ST. LOUIS (October 2, 2014) - Some international buyers prefer U.S. soy to that from top competitors Brazil and Argentina because they can count on it reaching them in a timely manner, according to a new soy-checkoff-funded study.

In fact, foreign soy buyers often pay as much attention to the timeliness of a shipment delivery as they do to the price. That's because late shipments can be expensive for buyers, as they incur costs in trying to find replacement crop, slowing down crush facilities and other problems that arise when shipments don't arrive in the time frame that was promised.

"Our industry depends on the reliability of our transportation system to keep us competitive in the global market," says Dwain Ford, soybean farmer from Kinmundy, Illinois, and United Soybean Board (USB) International Opportunities Target Area coordinator. "This study really shows the advantage the roads, rails and rivers give us and how important it is to maintain and improve our infrastructure."

Conducted in partnership with the checkoff-supported Soy Transportation Coalition, the study gathered input from buyers in China, Taiwan, Thailand and Vietnam to get firsthand reports on the timeliness of shipments and the repercussions late shipments have on their businesses. In most of these markets, U.S. shipments were the most predictable, with several participants adding that they prefer to buy from the United States because of this predictability.

Argentina has the advantage when it comes to shipping costs because of its relatively short distances from the growing areas to major ports for export. But U.S. soy rises to the top because of the relatively short amount of time it takes for soybeans to move from the growing areas to export position, which greatly impacts the United States' edge in delivery predictability. Even though U.S. soybeans have the longest distances to travel, the extensive U.S. rail and river infrastructures move these beans quickly, and the port infrastructure allows for timely loading and limited delays. Both Brazil and Argentina have significantly less rail and underdeveloped inland waterway systems, so roads are the main mode used to move products from growing areas to export position.

"It's great to see the infrastructure here in the United States is still doing its job," adds Ford. "But if our competitors continue to update their infrastructure and we don't, we could easily fall behind. It's vital to U.S. soybean farmers and the U.S. soy industry that we protect this advantage."

The 70 farmer-directors of USB oversee the investments of the soy checkoff to maximize profit opportunities for all U.S. soybean farmers. These volunteers invest and leverage checkoff funds to increase the value of U.S. soy meal and oil, to ensure U.S. soybean farmers and their customers have the freedom and infrastructure to operate, and to meet the needs of U.S. soy's customers. As stipulated in the federal Soybean Promotion, Research and Consumer Information Act, the USDA Agricultural Marketing Service has oversight responsibilities for USB and the soy checkoff.

For more information on the United Soybean Board, visit www.unitedsoybean.org
Visit us on Facebook: www.facebook.com/UnitedSoybeanBoard
Follow us on Twitter: www.twitter.com/unitedsoy
View our YouTube channel: www.youtube.com/user/UnitedSoybeanBoard

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Financial Planner Says Independent & Credentialed
Advisors May Better Tailor Individual Portfolios

An onslaught of retiring baby boomers; the uncertain duration of Social Security funding; difficulty with workplace retirement accounts like 401(k)s - even if these factors were stronger than they are now, you'd still have a heavy burden in managing your finances during retirement, says financial planner Carl Edwards.

"Financial planning for retirement has always been a daunting prospect; the current landscape simply makes your preparation that much more crucial in using your assets well," says Edwards, a highly credentialed consultant and owner of C.E. Wealth Group, (http://www.cewealth.com).

"Many advisors and clients rely too much on single product lines.  This misuse often gives products and the financial industry in general a bad name. Advisors who are restricted in the types of financial products they can offer or understand may not provide the best advice. Independent and credentialed planners, on the other hand, don't have their hands tied in what they can offer clients and may provide better advice."

Edwards reviews seven essential points that everyone should know regarding retirement planning.

•  Avoid trying to time the market. Markets often move in cycles and some investors believe that they can boost their investment returns by buying at the bottom and selling at the top. The problem is that investors are terrible at correctly predicting market movements and multiple studies have shown that market timers usually end up with significantly smaller retirement savings than buy-and-hold investors. While it can be stressful to see your portfolio plummet during a market correction, it's important to stay calm and focus on your long-term strategy.

•  Use risk-appropriate financial vehicles. Retiring can be a risky business. The days of relying on employer-provided pension plans are largely over and retirees now have to deal with risks including investment, inflation, healthcare, longevity and others. Though the total elimination of risk isn't possible, we can manage many of them through competent retirement planning and a clear understanding of factors like your goals, time horizon and financial circumstances.

•  Invest in the most tax-efficient manner. Taxes can take a big bite out of investment returns, which is why we stress tax-efficient planning with our clients. While taxes are just one piece of the overall financial puzzle, it's important to structure your investments so that you are able to keep what you earn.

•  Complete a cash flow analysis. Retirement will involve major changes to your finances. Sources and timing of income will change and financial priorities may shift as you start generating income from retirement savings. A cash flow analysis will identify spending patterns and help ensure that you have enough income to support your retirement lifestyle.

•  Guarantee your required income. For many retirees, having income that is not subject to market fluctuations is an important part of their retirement plan. Many will have at least some level of guaranteed income from Social Security or defined benefit pension plans. However, if you are worried that your expenses exceed your guaranteed income, a financial advisor can help you explore options for additional streams of income for life.  Guarantees are subject to the paying ability of the income provider.

•  Utilize longevity planning. Today's retirees are living longer than ever and many worry about outliving their assets. Longevity planning is about preparing for a happy, comfortable and independent retirement and can help ensure that your wealth lasts as long as you need it to.

•  Consider the effects of inflation. Inflation is one of the biggest issues facing retirees because they are disproportionately affected by rising prices. Escalating food, fuel and medical costs can devastate a retirement portfolio unless these costs have been factored into your planning. Positioning your retirement portfolio to fight inflation is critical to ensuring adequate income in retirement.

About Carl Edwards

Carl Edwards, MBA, ChFC®, is a Chartered Financial Consultant® and is the owner of C.E. Wealth Group, (http://www.cewealth.com). He has passed the Series 7, Series 66 and Series 63 securities industry exams. In addition, he has passed the Series 24 principal exam. He represents High Street Asset Management as an Investment Adviser Representative and Calton & Associates, Inc. as a Registered Representative. Edwards is also a licensed insurance agent in Life, Health, Medicare Supplement and Long Term Care insurances. Edwards received a master's degree in business administration and is currently completing a second master's degree in finance from Penn State University. He also is a member of the American MENSA.

Securities offered through Calton & Associates, Inc., Member FINRA/SIPC.  Advisory services offered through High Street Asset Management.  C.E. Wealth Group, LLC, High Street Asset Management and Calton & Associates, Inc. are separate entities. Insurance or insurance related products are offered through C.E. Insurances, LLC. Opinions expressed do not necessarily reflect those of Calton & Associates, Inc. or High Street Asset Management.  Individuals should consult their tax/legal advisors before making tax/legal-related investment decisions as Calton & Associates, Inc. and its Registered Representatives do not offer tax/legal advice.

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