John Stobbs and  Jeannie Seabaugh are Investment Advisor Representatives with Convergent Wealth Management, LLC. Investments are custodied through Charles Schwab and TD Ameritrade Institutional, Members FDIC,SIPC.  Convergent Wealth Management is independent of Charles Schwab and TD Ameritrade.  No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendations.