Jade Osborne and Bobbi Brumsey are Investment Advisor Representatives affiliated with Securian Financial Services, Inc.

Securities and investment services are offered through Securian Financial Services, Inc., member of NASD/SIPC.

Osborne-Brumsey & Associates, Inc. is independently owned and operated.

We provide investment advisory services to individuals, businesses, trusts and estates, charitable organizations and pension and profit sharing plans. Our advisory clients may also be our brokerage services customers.

Depending upon your needs and the advisory service you select, we typically emphasize the development of an overall investment plan that is carefully tailored to your needs and objectives. Our emphasis is on providing the investment advice that fits you, the investor.

We offer the following categories of investment advisory services:

1. Financial and Business Planning Services – We prepare recommended financial programs for individuals that encompass investments, insurance coverages and retirement benefits. These financial programs are based upon an analysis of your financial circumstances and objectives. Our business planning services include analysis and strategies for succession planning, qualified and nonqualified benefits and group benefits.

2. Investment Management Services – We provide asset allocation services directly to you, using investment strategies to allocate your assets through some or all of these options:

	Several mutual funds or investment options available through variable annuity contracts
	Individual securities or a combination of individual securities and mutual funds
	One or more independent money management firms, which then manage portfolios of individual securities held in your account.

3. Referral Advisor Services – We assist you in selecting and participating in a wrap fee, mutual fund asset allocation or other investment advisory services program sponsored by another investment management firm.

4. Seminar Services – We conduct educational seminars on various investment-related topics. The content of our educational seminars is informational, and not intended as a specific investment advice purporting to meet the investment objectives or needs of specific individuals.