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4807 Rockside Road, Suite 250, Independence, OH 44131

michael.ruhrkraut@ceterainvestors.com

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Office: (216) 206-8736

Mobile: (216) 273-2906

Mobile: (216) 407-2661

4807 Rockside Road

Suite 250

Independence, OH 44131

michael.ruhrkraut@ceterainvestors.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.

Copyright 2026 FMG Suite.

Cetera Investors is a marketing name of Cetera Investment Services. Securities and Insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), Member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC.

Registered Branch: 4807 Rockside Road Suite 250, Independence, OH 44131. (216) 206-8736.

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Investment Services LLC site at ceterainvestmentservices.com

Important Disclosures and Form CRS | Business Continuity |