Legal Information and Disclaimers

Securities, investment advisory and financial planning services offered by qualified Registered Representatives of MML Investors Services, Inc., member SIPC. Supervisory Office: [28411 Northwestern Hwy., Suite 1000, Southfield, MI 48034, (248) 208-0660].

Lau & Lau Associates, LLC and its affiliated companies are not subsidiaries or affiliates of MML Investors Services, Inc.

The information contained herein is not written or intended as specific tax or legal advice, nor may it be relied on for purposes of avoiding any federal tax penalties. Neither Lau & Lau Associates, LLC nor its employees or representatives are authorized to give tax or legal advice. Individuals are encouraged to seek tax or legal advice from (an) independent tax and/or legal advisor(s).

We are licensed to sell insurance in the following states:

California (David F. Lau, Lau & Lau Associates, domiciled in Michigan. California Insurance License #0B87301)
Colorado
Connecticut
Florida
Indiana
Illinois
Iowa
Kansas
Michigan
Minnesota
Missouri
Ohio
Texas
Virginia
Washington

We are licensed to sell securities in the following states:

Arizona
California
Colorado
Connecticut
Florida
Georgia
Hawaii
Iowa
Illinois
Indiana
Kansas
Kentucky
Maryland
Massachusetts
Michigan
Minnesota
Missouri
Montana
North Carolina
New Jersey
New Mexico
Nevada
New York
Ohio
Oregon
Pennsylvania
Tennessee
Texas
Virginia
Wisconsin

We cannot communicate with, nor respond to requests from, users who reside in states where we are not licensed to conduct insurance and/or securities business.