Securities and Investment Advisory Services offered through Western International Securities, Inc. (“WIS”). Member FINRA/SIPC.Fixed insurance is offered through Klerer Financial Services, Inc. Klerer Financial Services, Inc. and Western International Securities, Inc. are separate and unaffiliated entities. Insurance sold separately. A financial plan or investment advisory services, by themselves, cannot assure that retirement or other financial goals will be met. Securities products are not FDIC insured, have no bank guarantee and may lose significant value. Services are intended for individuals residing in the United States, however, all products and services may not be available in all states. This website or any contained herein is not an offer to buy or sell any particular security. WIS makes no representation or warranty as to the accuracy of the information contained on this website. Information contained herein is provided for education purposes only and is not intended as specific financial planning, legal or tax advice for any particular situation or user. Information may be outdated and WIS is not under an obligation to update this website. Links to other sites are provided as a convenience only and WIS does not review, update or make any warranty or representation regarding the accuracy of information contained therein. Content of this website may only be reproduced with the express written permission of the representative, WIS. We are licensed to sell insurance in the following states: NY, NJ, FL, CA, CT, MA. Mark S. Klebanoff, CFP is registered to sell securities in NY, NJ, CT, FL, PA, VA,MD.