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Office: (661) 322-5204

3557 Allen Road

Suite 200

Bakersfield, CA 93314

debbie.charpentier@acordandfong.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Copyright 2026 FMG Suite.

Debbie Charpentier: California Insurance License #0763281

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth, Inc.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

*Associated persons of Osaic Wealth, Inc. who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.

Martin Fong, CA Insurance License #0B861139, Jordan Murray, CA Insurance License #0H08740, Taressa Soto, CA Insurance License #4095723, Gibran Le, CA Insurance License #0M40189, Debbie Charpentier, CA Insurance License #0763281, Louis Romero III, CA Insurance License #0G57230

Debbie Charpentier is a registered representative of Osaic Wealth, Inc. and may market under both the Charpentier Wealth Strategies (CWS) and Acord & Fong Wealth Strategies (AFWS) names. CWS has entered into an agreement with AFWS to receive operational support and share staff and resources.

CRN-5929568-090523

A broker-dealer, investment financial professional, BD agent, or IA rep may only transact business in a state if first registered or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up: individualized responses to persons in a state by such a Firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.