Only securities offered through Wall Street Financial Group, Inc (WSFG), Member FINRA/SIPC.  WSFG may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements.  Any communications with prospective clients residing in international jurisdictions where WSFG and its registered represenatitives are not registered or licensed shall be limited so as not be as not to trigger registration or licesning requirements.  Securities servies from Kathleen Henning may not be provided to individuals residing in any states other than AZ, FL, MD, NY, OH and VA.  Insurnace services from Kathleen Henning may not be provided to individuals residing in any states other than NY and VA.  Health, other non-variable insurnace products, charitable giving and estate planning are not offered through WSFG.  Information provided should not be construed as legal or tax advice; you should speak with an attorney or tax advisor.  For Financial Calculators please visit: http://apps.finra.org/investor_Information/Tools?Calculators/calc_disclaimer.asp (is you cannot access this link, please copy and paste into your browser).   WSFG did not assist in the preparation of this material, and while it is believed to be from a reliable source, its accuracy and completeness are not guaranteed.  Opinions expressed are those of the author and are not necessarily those of WSFG.  The material is not responsible for information contained in websites or literature refernced herein.  WSFG, United Professional Associates, Emerald and all companies with websites listed herein are seperate entities, individually owned and operated.