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Michael D. Kresh and Daniel S. Kresh are Registered Representatives of and offer securities products and services through Commonwealth Financial Network. Member FINRA/SIPC, a registered broker-dealer. This communication is strictly intended for individuals residing in the states of AL, AZ, CA, CO, CT, DC, FL, GA, KY, LA, ME, MD, MA, NC, NH, NJ, NY, NV, OH, PA, RI, SC, TN, TX, UT, VT, VA, and WA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed Insurance products and services offered through CES Insurance Agency. Creative Wealth Management, LLC, 1377 Motor Pkwy, Suite 205, Islandia, NY 11749. 631.232.9170

Investment in securities involves risk, including the potential loss of principal invested. Material presented is not intended as specific investment advice. Please consult a qualified investment professional prior to making any investment decisions.

Form CRS: Client Relationship Summary

Michael D. Kresh, CFP^®, CLU

Daniel Kresh, FPQP^®

Glenda Kresh

Lauren Rivera

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