*Securities and advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC.  Main Effort Financial, Inc. is not affiliated with SagePoint Financial, or registered as a broker/dealer or invesment advisor. Inc. John Drohan, registered representative, is registered in the following states: Insurance - MA, CT, IL. Securities - MA, CT, NH, NJ, IL, NC, SC, IN, FL, NY, RI, ME, HI, TX. This communication is strictly intended for individuals residing in the states of MA, CT, NH, IL, NC, NJ, IL, NC, SC, IN, FL, NY, RI, ME, HI, TX. No offers may be made or accepted from any resident outside the specific states referenced. Mutual funds and variable annuities are sold by prospectus only. For more information about expenses and charges, please call for a prospectus. Please read the prospectus carefully before sending or investing money. Neither SagePoint Financial, Inc. nor its agents give legal or tax advice. For legal or tax advice concerning your situation please contact your attorney or tax advisor.