07 | Investment Advisory & Trust Disclosure (Trust focus but inclusive of broker)

Trust products and services offered through Alerus Financial, N.A (Alerus), which does not provide legal or tax advice. Registered Representatives may offer insurance and investment products through Osaic Institutions, Inc. (Osaic Institutions). Member  FINRA/SIPC. Osaic Institutions and Alerus are not affiliated.

Investment and insurance products are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. 

Investment and insurance products are: