Explore Fall 2013 issue of IN Motion, a quarterly magazine offering articles on best business practices in the areas of finance, HR, technology and more.
3. inspire
PARTNER
Profile
Meet Tom Luken
A Notre Dame graduate,
Tom has been with Sikich
since Kolb+Co. merged
with the firm in mid-2013.
Find out why this partner
always has leftovers in
his fridge.
What I like most about Sikich: The
culture and entrepreneurial spirit. Our
workplace awards and growth record
speak for themselves.
Partner at Sikich LLP
CPA
Milwaukee, WI
Office
Quick Tips
Organizations I belong to: PrimeGlobal
(past board member); Metropolitan
Milwaukee Association of Commerce
(Council of Small Business Executives board
member); Northbrook Church (serving in
Men’s Ministry and on the Stewardship
Team); and Westmoor Country Club (past
president/board member).
My favorite Sikich Value is: Commitment
and extraordinary competence. My father
taught me to work hard and play hard. This
trait has carried over into my professional
life with my work ethic and quest to become
the trusted advisor of my clients.
Alerts
Quick Tips
Question
of the Qtr.
QUICK TIPS
Alerts
In another life, I would be: A major
league baseball player.
My favorite place in the world is: The
lanai on my Marco Island, FL condo
overlooking the Gulf of Mexico.
WHAT I’M reading
I’m inspired by: People who are driven to
succeed and who give the credit to others
when they experience success.
My biggest professional
accomplishment: Starting the Kolb+Co.
tax department from scratch in 1984 and
growing it to a 25-person powerhouse in
the Southeast Wisconsin market by 2000,
at which point I succeeded Bob Kolb as
President/CEO.
I read the
Milwaukee JournalSentinel and The
Wall Street Journal
daily, and I get
my best business
advice from
Accounting Today.
People would be surprised to know
that: I was born in Peoria, IL and remain
an avid Chicago sports fan, which is
dangerous in Green Bay Packers country.
Three things you’ll always find in my
fridge: A cold beer (Coors Light), cheese
(I live in Wisconsin, after all) and leftovers
(I’m the second youngest of eight kids and
was taught never to waste food!).
My favorite technology/gadget:
My iPhone—not sure how I survived
seven years ago.
Question
Quick Tips
of the Qtr.
Alerts
ALERTS
Big data, the capturing and analysis of
large data sets, is a technology trend helping
companies increase their value and obtain
a competitive edge. One industry leveraging
this trend is oilfield services (OFS). OFS
leaders have realized the importance of data
capture, storage, search, sharing, analysisStats
Quick
and virtualization, and have demonstrated
big data usage success.
Is your business ready for healthcare
reform? Even though the employer
mandate enforcing penalties on large
employers that do not provide appropriate
coverage until January 2015 was recently
delayed, many provisions of the act will
require action in theQuick Stats months. Visit
following
http://bit.ly/hcr-steps for a list of 10 steps you
can take to ensure your business is prepared.
For OFS companies in particular, big data
provides seismic data processing for
exploration opportunities and competitive
intelligence in OFS development. Big data
identifies unusual conditions on drilling
sites and predicts maintenance issues for
equipment and software. Because OFS
companies can reap remarkable benefits
from embracing this trend, it is important
for a company to explore how it can use
big data. Visit http://bit.ly/ofs-data to
explore the ways your company can
begin using big data and what you should
review prior to doing so.
On August 29, 2013, the U.S. Department
of Treasury and the IRS announced that
“same-sex couples, legally married in
jurisdictions that recognize their marriages,
will be treated as married for federal tax
purposes.” This means that it does not matter
whether a married same-sex couple lives in
a state where same-sex marriages are not
recognized. For purposes of all federal tax
laws, including those related to employee
benefits, if a same-sex couple was married
in a state that recognizes same-sex
marriage, they will be treated as married.
Visit http://bit.ly/same-sex-tax for details.
Question
of the Qtr.
of the Quarter
Why should I care about
unclaimed property?
While not a tax, unclaimed property is a
major revenue source for states. It can
be many things, but one of the most
Quick Stats
common forms of unclaimed property is
uncashed checks. States have become
increasingly creative in expanding the
concept of “unclaimed property.” Many
require the escheatment (the payment of
the unclaimed property to the state after
a period of dormancy) of such items
including outstanding credit balances in
accounts receivable. Often, businesses
write these items off into income after
a certain period, but write-offs to
income are the first thing state auditors
examine. Learn more about unclaimed
property, and view an example of how
unclaimed property can be created,
by visiting an in-depth blog post at
http://bit.ly/up-audits.
AUTUMN 2013
| inmotion
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4. innovate
Digital Technology
Planar’s Displays Manufacture Opportunities
N
ew York City’s Fifth Avenue, certainly one of the
world’s most famous streets, is one of the busiest
streets in the United States. The store-lined street
hosts thousands of people every day from all over the
world, all of whom might notice sights such as Saks,
FAO Schwarz and the Guggenheim Museum. But
what one might not notice
immediately is the breadth of
technology that retail stores
use to entertain, attract
and engage pedestrians,
promoting their brands as
potential customers walk by.
For instance, the entrance to
the Hollister store between
52nd and 53rd Streets is
completely made up of a video wall matrix displaying
a live shot of Huntington Beach in Southern California.
Planar Systems, Inc. is the high-tech company creating
this innovative, advanced video wall technology.
“To me, technology is a means to an end. It’s a
facilitator. From an IT perspective, the risk of missing
strategic business opportunities is high when
companies choose not to invest in technology. My
team monitors the latest trends to ensure we’re not
missing opportunities, but we also continually true up
our portfolio to ensure that we don’t
continue investing in technologies
that no longer provide an advantage
to our clients, or to Planar itself,”
Maurer continued.
“Whether our clients want
to display information or
inspiration, they rely on
us to solve their biggest
display challenges.”
Founded in 1983, publicly traded Planar (NASDAQ:
PLNR) specializes in digital display technology on
everything from desktop monitors to digital signage,
for control rooms to the video wall manufactured and
installed for Hollister’s Fifth Avenue store.
Publicly traded Planar Systems, Inc., a high-tech
company specializing in digital display technology,
is headquartered in Hillsboro, Oregon.
“Whether our clients want to display information or
inspiration, they rely on us to solve their biggest display
challenges,” said Jeff Maurer, chief information officer at
Planar. “We’ve been doing this for three decades now,
and we bring that experience to bear in our products,
as well as our unique solutions for our customers.”
Planar’s enthusiasm for the latest
trends—as well as emerging
technologies—has been a key
component in the company’s
success. This enthusiasm is evident
as soon as one walks into their Hillsboro, Oregonbased headquarters. The lobby, a technology-heavy,
yet simplistic space, showcases some of their recent
work. Visitors are able to not only view this work, but
also interact with the technology. Touch-screen monitors
house design and game applications, and ceiling-high
video matrices feature incredible digital designs. A
Coca-Cola-branded mini refrigerator sits in the front
with what appears to be a transparent door. Made
possible with the Planar LookThru transparent LCD
display, this high-technology door displays moving,
mesmerizing designs—like lemon-lime-colored bubbles
emerging from a Sprite bottle—that will leave visitors
craving a glass of the refreshing beverage. Across
from the refrigerator sits a box, which is approximately
two square feet, and has a similar purpose. The box
contains a pair of running shoes, which one can see
through its transparent door. Designs moving through
this door include information about the product and
inspirational quotes—two things that athletes will
stop to watch.
“Our success does stem from an exceptional track
record in the history of the display industry, but our
other key to success is flexibility and our commitment
to partnership,” said Maurer. “Our team is extremely
flexible with our customers. Our professionals frequently
engage with them to fully understand their unique
display requirements, and that allows us to provide
robust, well-engineered solutions.”
Flexibility is a key component not only in Planar’s
relationships with its customers, but also with its internal
clients—the employees.
Continued ��
4 ��
inmotion |
AUTUMN 2013
5. According to Planar
executives, approximately
80 percent of their
video wall products
are manufactured in
their Oregon-based
manufacturing facility.
AUTUMN 2013
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6. Digital Technology
CONTINUED…
“Our culture is unique—it’s informal and people
are empowered at all levels,” Maurer described.
“Everyone, from those on the manufacturing line
to management, feels empowered to improve our
processes and products.”
Maurer explains that the company’s rational culture
invites all employees to approach problems and
contribute potential solutions. “We debate and then
everyone commits to the chosen solution; we put
our shoulder to it and make it happen.”
Although Planar offers a variety of digital
display products, the one that has grown
the most (and is currently the most popular)
is the Clarity Matrix video wall panels.
According to Maurer, Planar’s LCD video
wall is a flexible system of panels that are
thinly bezeled so they can be tiled together
to create impactful, creative large video
“Our culture is unique—
it’s informal and people are
empowered at all levels. Everyone,
from those on the manufacturing
line to management, feels
empowered to improve our
processes and products.”
The teamwork-focused atmosphere at Planar allows the
company’s professionals to build strong relationships
with customers and present them with products that
will improve bottom lines. The video wall matrix outside
of the Hollister store attracts Fifth Avenue shoppers
whether or not the store was on their must-visit list.
“Our customers pay us compliments every day by
trusting us with their projects and relying on us to help
them grow their businesses,” said Jennifer Davis, vice
president of marketing at Planar. “We regularly hear
feedback that they love the features of our products,
especially around serviceability, warranty, support and,
of course, image performance.”
displays. They are engineered for ease of
installation as well as reliability and maintainability in
the field—all key product differentiators for Planar.
High-end fashion retailer Gucci is another retail
customer that partnered with Planar to enhance the
look of and experience in its Milan, Italy flagship store.
Using more than 50 of Planar’s Clarity Matrix video
wall display panels, customers become immersed in
high-quality imagery of Gucci’s fashions. This ultimately
helped redefine high-end retailing and transform
customer communication through highly intuitive
content and interaction.
“This project created one of the most unique retail store
environments in the world,” said Davis. “With elements
of interactivity and fashion imagery, the combination
creates a statement befitting a global fashion brand of
Gucci’s reputation.”
Planar’s products are found in a variety of
venues, including control rooms, airports, hotels,
corporations, sports stadiums and retail stores.
6 ��
inmotion |
AUTUMN 2013
Mississippi State University (MSU) has incorporated
leading-edge technologies as part of its mission. One
of the university’s newest residence halls, South Hall,
boasts a two-story lobby that was transformed by
7. trend to move manufacturing outside of the U.S., Planar
has remained an important manufacturing employer in
the Beaverton/Hillsboro area.”
Maintaining its presence in Oregon is an important part
of Planar’s history, and the company makes every effort
to help its community not only through sustaining jobs,
but also reducing its carbon footprint.
“As is fitting a company headquartered in the Pacific
Northwest, we strive to reduce the power requirements
of our products and our dependence on nonsustainable materials in our designs, policies and
initiatives,” explained Davis. “We do this while promoting
the proper collection, recycling and recovery of
electronic equipment at the end of its Tips
Quick productive use.”
Alerts
Currently, Planar’s Clarity Matrix is the company’s
most popular product. These video wall panels are
thinly bezeled so they can be tiled together to create
large video displays.
Planar’s Clarity Matrix product. The video wall—featuring
16 panels for nearly 120 square feet of total display
area—now serves as a TV, movie screen and electronic
billboard. Content includes live football games, campus
activity information and even video games.
Planar’s Clarity Matrix video wall displays are flexibly
implemented and can be used in a variety of situations.
In addition to retail stores and university buildings,
Planar’s products are in control rooms, airports, hotels,
corporations, sports stadiums and other venues.
And furthermore, it is highly likely that these Clarity
Matrix systems were designed and manufactured
right here in the United States. According to Planar
executives, approximately 80 percent of their video
wall products are manufactured at their home base in
Oregon, while the remaining products are manufactured
at the company’s plant in Albi, France.
“We are very proud that much of our manufacturing is
still done here in Oregon,” said Maurer. “Contrary to the
Question
of the Qtr.
Planar’s founders, Jim Hurd, Chris King and John
Laney, established the company in Oregon, and their
passion for preserving the state and all of its beauty
is evident as one walks through Planar’s corporate
headquarters and Hillsboro manufacturing facility. All
conference rooms in the headquarters are named
after mountain peaks in Oregon, and conference
rooms in the manufacturing
facility boast names such as
Deschutes and Willamette—
rivers in the state.
QUICK STATS
In the next five years,
Maurer expects that Planar will
continue its strategy of focusing
on large video wall displays
and interactive technologies,
such as touch screens. And
for a company that prides itself
on offering only the best, one
can only expect that Planar will
continue developing top-ofthe-line technologies to help
businesses worldwide improve
communications, enhance
interactivity and ultimately, reach
their long-term goals. �
30 Years in Business
Quick Stats
330 Employees
8 Offices Worldwide
2 Years with Sikich
Sikich Service They Use:
Technology, for Implementation
of Microsoft Dynamics AX ERP
Software
Contact Information:
1195 NW Compton Way
Hillsboro, OR 97006
Ph: (503) 748-1100
www.planar.com
AUTUMN 2013
| inmotion
�� 7
8. involvement
Volunteering at Naper Nights
Sikich Partner Stays Young at Heart
Chris Korsgard knows a
thing or two about music.
The partner in Sikich’s technology practice
has been to more than 500 concerts in
the past 40 years. “I was a struggling and
tone-deaf guitar player and wannabe rock
star growing up,” said Korsgard. “Going to
live shows has been the closest thing to
doing it myself.”
Now, Korsgard uses his passion for music
as a volunteer for the Naper Nights event
committee. Hosted by Naper Settlement,
an outdoor history museum in Naperville,
IL, and sponsored by Sikich, the outdoor
summer concert series brings in rock
tribute bands from across the country.
Held on the fourth weekend in June, July
and August, Naper Nights draws more
than 8,000 attendees each year.
Korsgard, a long-time Naperville resident
whose list of favorite bands starts with
Led Zeppelin and Wilco, has been the
event’s co-chair for the past two summers
and is always looking for ways to enhance
the event. In fact, about 150 teams
participated in a rock music trivia contest
he organized this year where attendees
answered questions from the live stage
on Facebook. �
FIRM
News
8 ��
inmotion |
AUTUMN 2013
The Sikich Scoop
Sikich enters new market
Effective August 1, Sikich merged with
Wisconsin-based Kolb+Co., a public
accounting and advisory firm. This
merger resulted in Sikich operating
its first location in Wisconsin, which is
now the firm’s second-largest office.
The Milwaukee team will remain in its
current location at 13400 Bishops Lane,
Suite 300 in Brookfield, a suburb of
Milwaukee. The firm now boasts more
than 500 employees, including 87
partners. Additionally, the added growth
will diversify the firm’s breadth of services,
enhance its capability to service
more markets, and provide expanded
client opportunities. Learn more at
sikich.com/kolbco.
Sikich ranks on Inc. 5000
For the first time, Sikich has been ranked
on the Inc. 500|5000, an exclusive list
of the nation’s fastest-growing private
companies. With three-year growth of 47
percent, the firm ranked #4627 on the list,
published by Inc. magazine. In addition
to an impressive growth rate, Sikich also
increased personnel count by nearly 50
percent in the past three years. Read
more at sikich.com/inc-5000. �
9. influence
2013 Tax Planning
The Year of “Careful” Planning
T
ax planning is a complicated and critical task
every year. As you planned last year, you likely
felt unique challenges that stemmed from the
uncertainty of potential tax increases. However, the
American Taxpayer Relief Act of 2012 (ATRA) was
passed on January 1, 2013, preventing income tax rate
increases for most taxpayers.
For businesses, ATRA also addressed a number of
expired tax breaks. While many breaks and break
enhancements have been extended, some businesses
may be affected by ATRA’s increase to the top ordinaryincome tax rates for individuals, from 35% to 39.6%. In
order to take advantage of the tax breaks available for
your business this year, it is necessary to be thorough
in your tax planning—this will also minimize the impact
of higher rates if such rates will affect your business.
Find more details specific to ATRA at sikich.com/
fiscal-cliff.
Should I defer my business’s
income to next year?
Generally speaking, it’s better to defer tax—but not
always. Start by forecasting your business’s income
for 2013 and 2014 so you can take advantage of
deductions at the right time. Consider deferring income
to next year and/or accelerating deductible expenses
into the current year. On the other hand, if you might be
in a higher tax bracket next year, you may consider the
opposite approach—accelerating income and deferring
deductible expenses.
What happens if my business purchased
a depreciable asset this year?
If you purchased a depreciable asset this year, there are
a few depreciation-related breaks and strategies that
you could employ. Some of these include:
1. he Modified Accelerated Cost Recovery System:
T
If the asset’s useful life is one year or longer, you will
have to depreciate the cost over a period of years.
This system will typically provide larger deductions
than the straight-line method.
2. ifty-Percent Bonus Depreciation: Extended
F
by ATRA, this additional first-year depreciation
allowance is generally available for qualifying assets
acquired and placed in service in 2013 (there are
exceptions for 2014). Qualifying assets include new
tangible property with a recovery period of 20 or
fewer years, water utility property and more.
3. ccelerated Depreciation: Qualified leaseholdA
improvement, restaurant and retail-improvement
property is allowed a shorter recovery period (15
years compared to 39 years) through 2013.
4. ost Segregation Study: For those who have
C
recently purchased, built or remodeled a building
or space, this study identifies opportunities that
may be depreciated quickly, thus increasing current
deductions. Qualified assets may include decorative
fixtures, security equipment, landscaping and
parking lots.
Continued ��
AUTUMN 2013
| inmotion
�� 9
10. 2013 Tax Planning
CONTINUED…
Women Money
Finding Financial Success
What has changed with
vehicle-related deductions?
Vehicle expenses for business purposes can be
deducted using the mileage-rate method, which is
56.5 cents per mile driven in 2013, or the actual-cost
method—total out-of-pocket expenses, including fuel,
insurance and repairs, plus depreciation. And while
there are many rules and limitations that apply, new
or used vehicle purchases may also be eligible for
expensing.
My company manufactures products in the
U.S. Do I still qualify for a deduction?
The Domestic Production Activities Deduction is
available to traditional manufacturers and to businesses
in activities such as construction, engineering,
architecture, computer software production and
agricultural processing (http://bit.ly/dpad-ag). The
deduction is 9% of the lesser of qualified production
activities income or taxable income, and is limited
to 50% of W-2 wages paid by the taxpayer that are
allocable to domestic production gross receipts.
Which tax credits should I consider this year?
Tax credits reduce tax liability dollar-for-dollar, making
them significant for tax planning. For 2013, there are a
few to look into:
1. ealth Care Coverage for Small Businesses: For
H
tax years 2010 to 2013, the maximum credit is 35%
of group health coverage premiums paid by the
employer, as long as it contributes at least 50% of
the total premium or of a benchmark premium. The
full credit is available for employers with 10 or fewer
full-time equivalent employees and average annual
wages of less than $25,000 per employee. Partial
credits are also available.
2. etirement Plan Credit: Employers that have 100
R
or fewer employees and that create a retirement
plan may be eligible for a $500 credit per year for
three years.
3. ork Opportunity Credit: This credit, extended
W
by ATRA through 2013, encourages hiring of
certain disadvantaged groups. Qualifying groups
may include food stamp recipients, ex-felons and
nondisabled veterans.
This is just a snapshot of what you may expect while
tax planning for your business in 2013. Download the
2013-2014 Tax Planning Guide (sikich.com/tax-guide)
for additional insights, and always consult a tax expert
if your situation is complex. �
10 ��
inmotion |
AUTUMN 2013
W
omen today have never been in a better
position to achieve financial security for
themselves and their families. Even though
women who work full-time year-round still only
earn 81 percent on average of what men earn
(according to the U.S. Bureau of Labor Statistics),
women also represent almost half of the workforce
and earn the majority of all bachelor’s, master’s
and doctoral degrees.
On the road to financial security, women often face
unique challenges that their male counterparts may
not. Therefore, it is especially important that women
take an active role in their financial well-being by
taking six steps. These include taking control of your
money, becoming a more knowledgeable investor,
advocating for yourself in the workplace, planning for
retirement, protecting your income and assets, and
creating an estate plan. Explore these steps in detail
by viewing our on-demand webinar at sikich.com/
women-money. �
Advisory services offered through Sikich Financial, a Registered
Investment Advisor. General securities offered through Triad
Advisors, Member FINRA/SIPC.
11. inbox
BYOD: Risk or Opportunity?
DOWNLOAD THIS
BYOD Whitepaper
Did you know that 91 percent of U.S. citizens are within reach of a mobile
phone 24/7? With the rise of mobility, the Bring Your Own Device (BYOD)
trend—using personal mobile devices for business purposes—is getting
considerable attention. Before allowing your employees to get on board
with BYOD, understand how to balance the risks it can carry with the
opportunities it may hold. Learn more at sikich.com/byod-whitepaper.
�
sikich.com/byod-whitepaper
Using a personal device for work purposes, whether
permissible or not, is called Bring Your Own Device, or BYOD.
BY THE END OF 2012,
THERE WERE
6.8
the average person
in the u.s. has
2.9
BILLION
MOBILE DEVICE
SUBSCRIPTIONS, or
M O B I L E D E V I CE S
plans, WORLDWIDE
BY THE END OF 2013,
the number of mobile devices
WILL exceed the number
of people on earth
64
%
OF PEOPLE
in the U.S.
USE THEIR
PERSONAL
DEVICES
FOR WORK…
WITHOUT PERMISSION.
Opportunities
reduce improve
roaming
productivity
and other
charges
employees
are
happier
when they use a
familiar
device
There are
fewer
upfront
costs
to purchase
devices for
employees
when they start
or when they
break them
vs.
RISKS
if a
personal device
is stolen, can the
employer
do a remote wipe?
how do you handle a
non-exempt
worker with
access to
work email
on a personal
device?
mobile
malware
increased by
162
%
in 2012
when employees
QUIT,
their phones house
your data
AUTUMN 2013
| inmotion
�� 11
12. 1415 W. Diehl Rd., Suite 400
Naperville, IL 60563
RETURN SERVICE REQUESTED
2013 calendar of events
SIKICH OFFICES
Corporate Office
1415 W. Diehl Rd., Suite 400
Naperville, IL 60563
(630) 566-8400
10.23
Date:
Wednesday,
October 23
Chicago – Monroe Street
(312) 541-9300
Time:
9 a.m. – 5 p.m. CT
Details:
Chicago – Wacker Drive
(312) 648-6666
sikich.com/
managementreporter-i-training
Decatur, IL
(217) 423-6000
Management Reporter
Training Course
Designed for users with
limited or no knowledge of
Management Reporter, this
virtual training course will
cover navigation and working
with row, column and tree
dimensions. Hands-on
activities will help you create
detailed financial reports
and work with the side-byside, relational and variance
reporting functions. A followup, intermediate training
course is also available in
November (http://bit.ly/
mr2training).
Denver, CO
10.2310.30
Dates:
Wed., 10/23
(Naperville, IL);
Thurs., 10/24
(Chicago, IL);
Tues., 10/29
(Springfield, IL);
Wed., 10/30
(St. Louis, MO)
Time:
8:30 a.m. – Noon CT
Details:
Department of Labor
Benefits Update
If you are a plan sponsor
or human resources
professional, and are
concerned about operating
a successful 401(k) plan,
you won’t want to miss
this seminar. Better
understand your fiduciary
responsibilities and explore
common mistakes in
administering 401(k) plans,
including the red flags that
may initiate a Department
of Labor investigation or
an IRS audit.
sikich.com/
dol-seminar-2013
(720) 200-0142
Houston, TX
(832) 831-3549
11.14
Date:
Indianapolis, IN
(317) 842-4466
Thursday,
November 14
Time:
9 a.m. – 5 p.m. CT
Milwaukee, WI
(262) 754-9400
Rockford, IL
(815) 282-6565
Springfield, IL
Details:
sikich.com/gp-admin
Microsoft Dynamics
GP Training Course
Join this virtual training
course to learn the basic
functions and skills needed
to support the technical
system administration tasks
for the Microsoft Dynamics
GP software solution. The
course will include a lecture,
demonstration and handson practice in areas such as
troubleshooting, SQL backups,
archiving and more.
11.19
Date:
Tuesday,
November 19
Time:
3 – 5 p.m. CT,
followed by
networking
from 5 – 6 p.m.
Details:
sikich.com/agsummit
AgriBusiness Summit
Receive a 360-degree view
of valuing, buying and
selling an agribusiness
with inside perspectives
from key members of a
transaction team. From
investment banking and
financing to legalities and
business valuation, this
seminar will cover a breadth
of topics that will set you on
a course to making informed
decisions regarding the
future of your business.
(217) 793-3363
For more events, visit sikich.com/events.
St. Louis, MO
Advisory services offered through Sikich Financial, a Registered Investment Advisor.
Securities offered through Triad Advisors, Member FINRA/SIPC. Securities are offered through Sikich Corporate
Finance LLC, a registered broker dealer with the Securities Exchange Commission and a member of FINRA/SIPC.
(314) 275-7277