Kulch Financial Services

Information may not be reliable

A broker/dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker/dealer, investment adviser, BD agent or IA rep requirements, as the case may be; and follow-up, individualized responses to consumers in a particular state by broker/dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker/dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

We are licensed to sell Insurance Products in the following states:
Florida, Iowa, Massachusetts, Maine, Michigan, New Hampshire, New York.

Arizona, California, Connecticut, Delaware, Florida, Georgia, Iowa, Massachusetts, Maryland,
Maine, Michigan, North Carolina, New Hampshire, New York, South Carolina, Texas, Virginia, Vermont.

I am not a resident of one of the states listed above.
Securities offered through NEXT Financial Group, Inc., Member of FINRA/SIPC
To view NEXT Financial Group's privacy policy and other important information,
visit the "Clients" section of www.nextfinancial.com.
Kulch Financial Services is not an affiliate of NEXT Financial Group, Inc.