Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC.  Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.  Osaic Wealth does not provide legal or tax advice.  This communication is strictly intended for individuals residing in the states of FL, IL, MN, OH, PA, TX, WI.  No offers may be made or accepted from any resident outside the specific state(s) referenced. 

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HIBBARD & RUBY WEALTH MANAGEMENT is in the business of providing financial and investment services beyond tax return preparation and tax representation; tax information if supplied could be used by Hibbard & Ruby Wealth Management Representatives to make recommendations, including the following: Financial Planning, General Investment Advice, Advice, Planning and Sales related to Tax-Advantaged Investment Vehicles, Advice, Planning and Sales related to Tax-Advantaged Retirement Plans, Sales of Securities, including Mutual Funds, Stocks, Bonds, Annuities & Life Insurance. These services are an integral part of the total services for HIBBARD & RUBY WEALTH MANAGEMENT. Clients are under no obligation whatsoever to follow any recommendations made or to purchase any products offered by or through HIBBARD & RUBY WEALTH MANAGEMENT. Beyond the specific purpose of providing other financial advice or proposing other services, no tax return information, if furnished, will be disclosed to any person or for any purpose not specifically allowed by law or by subsequent written approval. HIBBARD & RUBY WEALTH MANAGEMENT. does not disclose any nonpublic personal information about current customers or former customers to anyone, except as permitted by law.