Joseph R. Calandra

ATP

Calandra Financial Services33656 Union Circle, Lewes, DE 19958

Broker Affiliation: Cadaret, Grant and Co., Inc.

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Disclosures

Securities and Advisory Services offered through Cadaret Grant & Company, Inc., A Registered Investment Advisor, Member FINRA/SIPC. Calandra Financial Services and Cadaret Grant are separate entities.

This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.

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