Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser. Barbara Traylor Smith (CRD #2519484) is an Investment Adviser Representative of FIA. Registration with the U.S. Securities and Exchange Commission does not imply any certain level of skill or training. Insurance services offered through Retirement Outfitters, LLC (Colorado Insurance License #330954) and Barbara Traylor Smith (California Insurance License #0D30497, Colorado Insurance License #109486) in her separate capacity as an insurance agent. Retirement Outfitters, LLC and FIA have no common ownership and are unaffiliated with and independent of each other. All investing involves the risk of loss, including possible loss of principal, that you should be prepared to bear.