Some insurance companies pay Cetera Financial Specialists or its affiliated or controlled insurance agencies sales commissions when they sell fixed annuities and life insurance (“Insurance Products”), and part of those commissions go to the Cetera Financial Specialists insurance agent who sold the Insurance Product to you. Although we make available a wide variety of Insurance Products, we concentrate our marketing and training efforts on Insurance Products issued by a limited number of insurance companies (“Designated Insurance Companies”). Designated Insurance Companies have more opportunities to provide training and education to Cetera Financial Specialists insurance agents and to attend or sponsor Cetera Financial Specialists education and training meetings. The Designated Insurance Companies listed below pay Cetera Financial Specialists amounts in addition to sales commissions to compensate Cetera Financial Specialists for these enhanced marketing and training opportunities. These Designated Insurance Company payments generally consist of payments based on a flat fee or percentage of total premiums paid to a Designated Insurance Company. For fixed and fixed indexed annuities, Designated Insurance Companies pay us the greater of an annual flat fee or up to 50 basis points (0.50%) of the total purchase amount of their Insurance Products. Although these Designated Insurance Company payments are not paid to Cetera Financial Specialists insurance agents, they benefit agents by allowing them to receive greater training and education and pose a financial incentive for us to promote Designated Insurance Company Insurance Products over other Insurance Products. The fact that we receive compensation from Designated Insurance Companies creates an incentive for us to recommend that you purchase products or services from them instead of other Insurance Product providers that do not make similar payments to us. This creates a conflict between your interest and ours.