Firm Affiliations

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker‑dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Pinecrest Financial are not affiliated.

Registration and Availability of Services

Financial professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed, or exempt from registration and not all of the securities, products, and services mentioned are available in every state or jurisdiction. This communication is strictly intended for individuals residing in the United States in jurisdictions where the financial professional is appropriately registered or exempt from registration. No offers may be made or accepted from any resident outside those specific jurisdictions.

Form CRS (Customer Relationship Summary)

Form CRS is a brief relationship summary that provides information about the types of services offered, fees and costs, conflicts of interest, and standards of conduct.

You can access the applicable Form CRS documents at the following links:

• Cambridge Investment Research, Inc. (Broker‑Dealer) – Form CRS
  
• Cambridge Investment Research Advisors, Inc. (Registered Investment Adviser) – Form CRS
  

FINRA BrokerCheck

Check out the background of this investment professional and the firm on FINRA’s BrokerCheck: http://brokercheck.finra.org

FINRA: https://www.finra.org
SIPC: https://www.sipc.org

Third‑Party Websites and Links

The information being provided is strictly as a courtesy. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. We make no representation as to the completeness or accuracy of information provided on these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to, or your use of third‑party technologies, websites, information, and programs made available through this website.

Content provided via links to third‑party sites should not be considered an endorsement of content, which we cannot verify for completeness or accuracy.

Social Media, Testimonials, and Endorsements

Content posted on social media profiles or pages associated with Pinecrest Financial or this financial professional is intended for general, informational purposes only and should not be construed as personalized investment advice or a recommendation to buy or sell any security.

Reposts, shares, or links to third‑party content are not endorsements of the third‑party, their views, or the content they provide.

Reviews or testimonials that may appear on third‑party platforms or websites:

• May or may not be by clients of the firm.
  
• Are not necessarily representative of the experience of all clients.
  
• Are not a guarantee of future performance or success.
  
• No compensation is provided in exchange for any review or testimonial, unless otherwise clearly disclosed.

General Information and Investment Risk

Material presented on this website is for general illustration and informational purposes only and should not be construed as investment, tax, or legal advice. Although information is gathered from sources believed to be reliable, individual situations vary. You should consult with your financial professional, and as appropriate, a qualified tax or legal professional before making any financial decisions.

Nothing on this website should be construed as an offer to sell or a solicitation of an offer to buy any security. All opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

Email and Electronic Communications

We cannot accept trade orders or transaction instructions via email, website contact forms, or other electronic messaging systems. Important or time‑sensitive messages, including requests to place, modify, or cancel trades, must be confirmed by contacting your financial professional by phone.

Electronic communications, including email, sent to or from this site may not be monitored every day or outside normal business hours.

Confidentiality

Information transmitted through this website or via email may contain confidential and/or privileged material and is intended solely for the individual or entity to whom it is addressed. If you receive a communication in error, please notify the sender and delete the message from your system.