Thomas Harper offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Heritage Financial Wealth Management, LLC is not a registered investment advisor and is not an affiliate of Gradient Advisors, LLC. Insurance products and services are offered through Thomas Harper, independent agent.

All information and ideas should be discussed in detail with your individual financial professional prior to implementation. Insurance products and services are offered through Heritage Financial Retirement and Insurance Services. Heritage Financial Retirement and Insurance Services and Thomas Harper are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions.