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Valentino Ciullo                     Founder, Registered Representative

Jack Bytwerk                        Group Sales Specialist

Chuck Bush                          Group Sales Specialist

Vivian Filer-Thomas             Voluntary Sales Specialist, Registered Representative

Paul Ondersma                    Registered Representative

Aaron Pike                            Registered Representative



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Securities offered through Registered Representatives of Cadaret Grant & Co., Inc., an independent broker/dealer and member of SIPC & FINRA.  Investment products and services available only to residents of MI, OH, IN, WI.  Variable Concepts, Inc. and Cadaret Grant & Co., Inc. are separate entities.