Moran, Heising & McElravey, LLC

Richard P. Moran, CFP®
Paul Heising, MBA, CFP®
Lisa McElravey, CFP®
Robert H. Sowder, CFS®

21250 Hawthorne Boulevard
Suite 560
Torrance, CA 90503
phone (310) 406-3080
toll-free (866) 406-3080
fax (310) 406-3082
infor@smarterdecisions.com

Rich Moran, CFP: rpmoran@smarterdecisions.com
Paul Heising, MBA, CFP: heising@smarterdecisions.com
Lisa McElravey, CFP: lmcelravey@smarterdecisions.com
Robert H. Sowder, CFS: rsowder@smarterdecisions.com

Ticker Name	Percent Difference (when noted with %) otherwise Last Price	Difference (where applicable)
Dow Jones Industrials ETF	+0.2%
Nasdaq Composite ETF	-0.0%
S&P 500 ETF	+0.0%

Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA, SIPC. Cetera is under separate ownership from any other named entity.

The information on this website is intended for use only by residents of the states listed below. Securities-related services may not be provided to individuals residing in any state not listed.

We are registered to sell Securities in the following states:
Arizona, California, Colorado, Illinois, Louisiana, New York, North Carolina, Ohio, Oregon, South Carolina, Texas, Washington.

Moran, Heising & McElravey, LLC is not affiliated with Cetera Advisor Networks LLC.

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are registered to sell Securities in CA,CO,NM,NY.

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Richard P. Moran, CFP®
Paul Heising, MBA, CFP®
Lisa McElravey, CFP®
Robert H. Sowder, CFS®

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Richard P. Moran, CFP®Paul Heising, MBA, CFP®Lisa McElravey, CFP®Robert H. Sowder, CFS®

Richard P. Moran, CFP®
Paul Heising, MBA, CFP®
Lisa McElravey, CFP®
Robert H. Sowder, CFS®