Disclosures

Investment regulations including SEC and FINRA registration requirements limit the dissemination of information on investments and services. Therefore, access to this site is intended for and limited to individuals residing in states in which either Judith Heltzel or Barrigan Nelson are FINRA and/or SEC Registered or exempt. Judith Heltzel and Barrigan Nelson are Registered Representatives and Investment Advisor Representatives of KMS Financial Services, Inc., a FINRA member firm securities licensed in all 50 states. Capital Financial Planners, LLC, through Judith Heltzel and/or Barrigan Nelson, is currently registered for securities business with residents of: CA, GA, ID, MT, OR, WA. Likewise, fee-based advisory services are currently available to the residents of: AZ, CA, ID, MT, NM, OR, WA.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.