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Q4 2026 Plan Sponsor Newsletter

Contact

Office: 605-717-8215

2001 West Omaha Street

Rapid City, SD 57702

harlan.stephens@lpl.com

LPL Financial Form CRS

Check the background of your financial professional on FINRA's BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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LPL Financial Form CRS

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Pioneer Bank and Trust and Pioneer Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Pioneer Wealth Management, and may also be employees of Pioneer Bank and Trust. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Pioneer Bank and Trust or Pioneer Wealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency – Not Bank Guaranteed – Not Bank Deposits or Obligations – May Lose Value

The registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AK, AZ, CA, CO, DC, FL, IA, ID, IL, KS, MN, MT, ND, NC, NE, NM, NV, OK, OR, SD, TX, UT, WA, WI, WV, WY.

Pioneer Wealth Management provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code below for more detailed information