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The Pros and Cons of a Big Tax Refund

Is receiving a big tax refund a reason to celebrate?

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor, and broker-dealer (member FINRA/SIPC). Insurance products offered through LPL or its licensed affiliates. Community Financial Services Bank (CFSB) and CFSB Investments are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CFSB Investments, and may be employees of CFSB. These products and services are being offered though LPL or its affiliates, which are separate entities from, and not affiliates of, CFSB or CFSB Investments. Securities and insurance products offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

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