"The plans of the diligent lead surely to plenty, But those of everyone who is hasty, surely to poverty." - Proverbs 21:5**********************************Advisory services through RFG Advisory, LLC ("RFG Advisory" or "RFG") a registered investment advisor. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place. RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisor representative has attained a particular level of skill or ability. Joel Beyer is an Investment Advisor Representative of RFG Advisory and is a licensed life insurance agent in AZ #1546247 and CA #0776081. 21:5 Advisors Wealth Management and RFG Advisory are unaffiliated entities.