Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA / SIPC, and SEC Registered Investment Advisor. Northern Pacific Asset Management and Osaic Wealth are separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Pershing and Northern Pacific Asset Management are separate, unaffiliated companies, not responsible for each other’s services or policies. Pershing, LLC (member FINRA, NYSE, SIPC) is a BNY Mellon company.

Pershing works behind the scenes for our firm to provide clearing, custody and other brokerage services.

BNY Mellon's Pershing has been a leading global provider of financial business solutions for almost 85 years and serves many of the world's most respected financial organizations.

In addition to SIPC protection, Pershing provides coverage in excess of SIPC limits from certain underwriters in Lloyd’s insurance market and other commercial insurers. The excess of SIPC coverage is valid through February 10, 2026 for Pershing LLC accounts. For the specifics on protections and limitations, visit pershing.com/about/strength-and-stability. 

Asset Allocation seeks to maximize the performance of your investment portfolio using diversification and disciplined investing. Diversification can be thought of as spreading your investment dollars into various asset classes to add balance to your portfolio. Although using an asset allocation methodology does not guarantee greater returns or against the risk of loss in a declining market, it may be able to reduce the volatility of your portfolio.

All investments involve the risk of potential investment losses and no strategy can assure a profit.

Suitability on products or strategies mentioned herein must be determined on an individual basis. Not all products or strategies are suitable for all investors.

The FDIC protects depositors against the loss of their deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. FDIC deposit insurance covers the balance of each depositor's account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank's closing. The basic insurance amount is $250,000 per depositor, per insured bank.

Osaic Wealth and their representatives do not provide tax or legal advice.  Any tax or legal information provided here is merely a summary of our understanding and interpretation of some of the current income tax regulations and is not exhaustive. Investors must consult their tax advisor or legal counsel for advice and information concerning their particular situation.

This communication is strictly intended for individuals residing in the states of ID, FL, TX, OR, WA, and WI. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Check the background of this investment professional on the SEC's Investor.gov or FINRA’s Broker Check.

©2026 by Northern Pacific Asset Management, LLC. All rights Reserved.