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<!DOCTYPE html> <html lang="en-US"> <head> <meta charset="UTF-8" /> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <link rel="pingback" href="https://new.apexfg.com/xmlrpc.php" /> <script type="text/javascript"> document.documentElement.className = 'js'; </script> <title>Apex Financial Group | We create retirement plans for those that are approaching or in retirement so they do not outlive their money.</title> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin /><style id="et-builder-googlefonts-cached-inline">/* Original: https://fonts.googleapis.com/css?family=Alegreya:regular,500,600,700,800,900,italic,500italic,600italic,700italic,800italic,900italic&subset=latin,latin-ext&display=swap *//* User Agent: Mozilla/5.0 (Unknown; Linux x86_64) AppleWebKit/538.1 (KHTML, like Gecko) Safari/538.1 Daum/4.1 */@font-face {font-family: 'Alegreya';font-style: italic;font-weight: 400;font-display: swap;src: 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class="home page-template page-template-page-template-blank page-template-page-template-blank-php page page-id-18 et_bloom et_pb_button_helper_class et_cover_background et_pb_gutter et_pb_gutters3 et_pb_pagebuilder_layout et_no_sidebar et_divi_theme et-db"> <div id="page-container"> <div id="main-content"> <article id="post-18" class="post-18 page type-page status-publish hentry"> <div class="entry-content"> <div class="et-l et-l--post"> <div class="et_builder_inner_content et_pb_gutters3"> <div class="et_pb_section et_pb_section_0 et_pb_with_background et_section_regular" > <div class="et_pb_row et_pb_row_0"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_0 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h6 style="text-align: center;"><strong><span style="color: #ffffff;">Are you worried about your financial future? Click HERE to book a phone meeting NOW!</span></strong></h6></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_1 et_pb_section_parallax et_pb_with_background et_section_regular" > <span class="et_parallax_bg_wrap"><span class="et_parallax_bg" style="background-image: url(https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design.jpg);" ></span></span> <div class="et_pb_row et_pb_row_1"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_1 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner" data-et-multi-view="{"schema":{"content":{"desktop":"<h4 style=\"text-align: right;\"><span style=\"color: #ffffff;\"><strong>Speak with an Advisor<\/strong><\/span><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"tel:2056717030\">\ud83d\udcde\u00a0 \u00a0<strong>205-671-7030<\/strong><\/a><\/h4>","tablet":"","phone":"<h4 style=\"text-align: right;\"><span style=\"color: #ffffff;\"><strong>Speak with an Advisor<\/strong><\/span><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"tel:2056717030\">\ud83d\udcde <strong>205-671-7030<\/strong><\/a><\/h4>"}},"slug":"et_pb_text"}" data-et-multi-view-load-tablet-hidden="true" data-et-multi-view-load-phone-hidden="true"><h4 style="text-align: right;"><span style="color: #ffffff;"><strong>Speak with an Advisor</strong></span></h4> <h4 style="text-align: right;"><a href="tel:2056717030">📞 <strong>205-671-7030</strong></a></h4></div> </div><div class="et_pb_module et_pb_image et_pb_image_0"> <span class="et_pb_image_wrap "><img fetchpriority="high" decoding="async" width="400" height="150" src="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-15.png" alt="" title="Untitled design (15)" srcset="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-15.png 400w, https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-15-300x113.png 300w" sizes="(max-width: 400px) 100vw, 400px" class="wp-image-46" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1 style="text-align: center;"><span style="color: #ffffff;"><strong>Retire with Certainty</strong></span></h1> <h6 style="text-align: center;"><span color="#ffffff" style="color: #ffffff;"><b>We ensure you retire with confidence!</b></span></h6></div> </div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_0 et_pb_bg_layout_dark" href="" data-icon="A">Learn How</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_2 et_pb_fullwidth_section et_section_regular et_pb_section--with-menu" > <div class="et_pb_module et_pb_fullwidth_menu et_pb_fullwidth_menu_0 et_pb_bg_layout_dark et_pb_text_align_left et_dropdown_animation_fade et_pb_fullwidth_menu--without-logo et_pb_fullwidth_menu--style-centered"> <div class="et_pb_row clearfix"> <div class="et_pb_menu__wrap"> <div class="et_pb_menu__menu"> <nav class="et-menu-nav fullwidth-menu-nav"><ul id="menu-main" class="et-menu fullwidth-menu nav"><li id="menu-item-155" class="et_pb_menu_page_id-home menu-item menu-item-type-post_type menu-item-object-page menu-item-home current-menu-item page_item page-item-18 current_page_item menu-item-155"><a href="https://new.apexfg.com/" aria-current="page">New Apex Home Page</a></li> </ul></nav> </div> <div class="et_mobile_nav_menu"> <div class="mobile_nav closed"> <span class="mobile_menu_bar"></span> </div> </div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_3 et_section_regular" > <div class="et_pb_row et_pb_row_2"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_3 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1 style="text-align: center;"><span style="color: #9b4922;"><strong>Here is how our process works</strong></span></h1></div> </div> </div> </div><div class="et_pb_row et_pb_row_3 cta-overlap"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_1"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="150" src="https://new.apexfg.com/wp-content/uploads/2021/01/Step-1-4.png" alt="" title="Step 1 (4)" class="wp-image-74" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_4 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="color: #ffffff; font-size: large;">Our first step is to schedule a meeting and review your retirement goals.</span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_4 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_2"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="150" src="https://new.apexfg.com/wp-content/uploads/2021/01/Step-1-3.png" alt="" title="Step 1 (3)" class="wp-image-73" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_5 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="color: #ffffff; font-size: large;">Using our Roadmap to Retirement process, we will evaluate your goals and retirement needs.</span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_5 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_image et_pb_image_3"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="150" src="https://new.apexfg.com/wp-content/uploads/2021/01/Step-1-5.png" alt="" title="Step 1 (5)" class="wp-image-76" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="color: #ffffff; font-size: large;">We will come up with an income strategy to fill in the gaps and make your goals a reality.</span></p></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_4 section-overlap et_pb_with_background et_section_regular" > <div class="et_pb_row et_pb_row_4"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_6 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_7 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1 style="text-align: center;"><span color="#9b4922" style="color: #9b4922;">Our Areas of Focus</span></h1></div> </div> </div> </div><div class="et_pb_row et_pb_row_5"> <div class="et_pb_column et_pb_column_1_4 et_pb_column_7 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_4"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="100" src="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-34.png" alt="" title="Untitled design (34)" class="wp-image-95" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400; font-size: large;">We’ll help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This includes: </span></p> <ul> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Social Security Maximization</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Income & Expense Analysis</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Inflation Plan</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Spousal Plan</span></li> </ul></div> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_8 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_5"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="100" src="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-35.png" alt="" title="Untitled design (35)" class="wp-image-96" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_9 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400; font-size: large;">Strategy for addressing taxes. This includes:</span></p> <ul> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Assessing the taxable nature of your current accounts</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Strategize ways to include tax-deferred or tax-free money in your plan</span></li> <li style="font-weight: 400;"><span style="font-size: large;">Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries</span></li> </ul> <ul></ul></div> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_9 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_6"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="100" src="https://new.apexfg.com/wp-content/uploads/2021/01/Health-Care-Planning.png" alt="" title="Health Care Planning" class="wp-image-97" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_10 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400; font-size: large;">We’ll create a plan designed to help you protect yourself against rising healthcare costs, including: </span></p> <ul> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Looking at all aspects of Medicare, Parts A, B and D</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Analyzing options for a Long-Term Care Plan</span></li> </ul> <ul></ul></div> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_10 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_image et_pb_image_7"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="100" src="https://new.apexfg.com/wp-content/uploads/2021/01/Health-Care-Planning-1.png" alt="" title="Health Care Planning (1)" class="wp-image-98" /></span> </div><div class="et_pb_module et_pb_text et_pb_text_11 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400; font-size: large;">By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you: </span></p> <ul> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Maximize your estate and income tax planning opportunities</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Protect any assets in trust and ensure they are distributed to your beneficiaries probate free</span></li> <li style="font-weight: 400;"><span style="font-weight: 400; font-size: large;">Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries</span></li> </ul> <ul></ul> <ul></ul></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_5 et_section_regular" > <div class="et_pb_row et_pb_row_6 et_pb_gutters1"> <div class="et_pb_column et_pb_column_1_2 et_pb_column_11 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_8"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="510" height="600" src="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-6.jpg" alt="" title="Untitled design (6)" srcset="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-6.jpg 510w, https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-6-480x565.jpg 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 510px, 100vw" class="wp-image-118" /></span> </div> </div><div class="et_pb_column et_pb_column_1_2 et_pb_column_12 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_12 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1 style="text-align: center;"><span style="color: #e09900;"><strong>Are all your boxes checked?</strong></span></h1></div> </div><div class="et_pb_module et_pb_text et_pb_text_13 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2 style="text-align: center;"><span style="color: #e09900;"><strong>Do you know how much income you will have in retirement?</strong></span></h2></div> </div><div class="et_pb_module et_pb_divider_0 et_pb_space et_pb_divider_hidden"><div class="et_pb_divider_internal"></div></div><div class="et_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_1 et_pb_bg_layout_dark" href="" data-icon="=">Click Here to see how you compare</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_6 et_pb_with_background et_section_regular" > <div class="et_pb_row et_pb_row_7"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_13 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_14 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2 style="text-align: center;"><span style="color: #ffffff;"><strong>Apex Financial Group in the Media</strong></span></h2></div> </div><div class="et_pb_module et_pb_text et_pb_text_15 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h3 style="text-align: center;"><span style="color: #ffffff;"><strong>Listen to “Safe Money and Income Radio” Every weekend</strong></span></h3></div> </div> </div> </div><div class="et_pb_row et_pb_row_8"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_14 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_image et_pb_image_9"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="1000" height="334" src="https://new.apexfg.com/wp-content/uploads/2021/01/Bigwaax-logo.png" alt="" title="Bigwaax logo" srcset="https://new.apexfg.com/wp-content/uploads/2021/01/Bigwaax-logo.png 1000w, https://new.apexfg.com/wp-content/uploads/2021/01/Bigwaax-logo-980x327.png 980w, https://new.apexfg.com/wp-content/uploads/2021/01/Bigwaax-logo-480x160.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw" class="wp-image-35" /></span> </div> </div> </div><div class="et_pb_row et_pb_row_9"> <div class="et_pb_column et_pb_column_1_2 et_pb_column_15 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_button_module_wrapper et_pb_button_2_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_2 et_pb_bg_layout_light" href="" data-icon="$">Listen Now</a> </div> </div><div class="et_pb_column et_pb_column_1_2 et_pb_column_16 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_button_module_wrapper et_pb_button_3_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_3 et_pb_bg_layout_light" href="" data-icon="$">Ask a Question</a> </div> </div> </div> </div><div class="et_pb_section et_pb_section_7 et_pb_section_video et_pb_preload et_pb_with_background et_section_regular" > <span class="et_pb_section_video_bg "> <video loop="loop" autoplay playsinline muted > <source type="video/mp4" src="https://new.apexfg.com/wp-content/uploads/2021/01/business-people-seminar-conference-meeting-office-training-concept-4k-rbbesqpdg-1080-D.mp4" /> </video> </span> <div class="et_pb_row et_pb_row_10"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_17 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_16 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1 style="text-align: center;"><strong>Attend a Seminar!</strong></h1></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_8 et_pb_with_background et_section_regular" > <div class="et_pb_row et_pb_row_11 et_pb_equal_columns et_pb_gutters1"> <div class="et_pb_column et_pb_column_1_2 et_pb_column_18 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_10"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="510" height="400" src="https://new.apexfg.com/wp-content/uploads/2021/01/Seminar.jpg" alt="" title="Seminar" srcset="https://new.apexfg.com/wp-content/uploads/2021/01/Seminar.jpg 510w, https://new.apexfg.com/wp-content/uploads/2021/01/Seminar-480x376.jpg 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 510px, 100vw" class="wp-image-36" /></span> </div> </div><div class="et_pb_column et_pb_column_1_2 et_pb_column_19 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_17 et_animated et_pb_text_align_center et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1><strong><span style="color: #ffcc99;">Attend an Upcoming Seminar:</span></strong></h1> <p><strong><span style="color: #ffcc99;"></span></strong></p> <p><strong><span style="color: #ffcc99;"></span></strong></p></div> </div><div class="et_pb_module et_pb_text et_pb_text_18 et_animated et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h4 style="text-align: center;"><strong><span style="color: #ffcc99;">Currently No Seminars are Scheduled:</span></strong></h4> <p><strong><span style="color: #ffcc99;"></span></strong></p> <p><strong><span style="color: #ffcc99;"></span></strong></p></div> </div><div class="et_pb_module et_pb_divider_1 et_pb_space et_pb_divider_hidden"><div class="et_pb_divider_internal"></div></div><div class="et_pb_module et_pb_text et_pb_text_19 et_animated et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h3 style="text-align: center;"><span style="color: #e09900;"><strong>Register Here</strong></span></h3> <p><strong><span style="color: #ffcc99;"></span></strong></p> <p><strong><span style="color: #ffcc99;"></span></strong></p></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_9 et_section_regular" > <div class="et_pb_row et_pb_row_12"> <div class="et_pb_column et_pb_column_1_4 et_pb_column_20 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_11"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="300" height="100" src="https://new.apexfg.com/wp-content/uploads/2021/01/Untitled-design-14.png" alt="" title="Untitled design (14)" class="wp-image-45" /></span> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_21 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_text et_pb_text_20 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p style="padding-left: 30px;"><span style="font-size: large;"><strong>Contact Us:</strong></span></p> <p style="padding-left: 30px;">Phone: 205-671-7030</p> <p style="padding-left: 30px;">Alt phone: 888-644-5688</p> <p style="padding-left: 30px;"><span style="font-size: 15px;">info@apexfg.com</span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_22 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_text et_pb_text_21 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p style="padding-left: 30px;"><span style="font-size: large;"><strong> Our Location</strong></span></p> <p style="padding-left: 30px;">1911 Noble Street</p> <p style="padding-left: 30px;">Anniston, AL 36201</p> <p> </p></div> </div> </div><div class="et_pb_column et_pb_column_1_4 et_pb_column_23 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_22 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-size: large;"><strong> Check Us Out:</strong></span></p></div> </div><div class="et_pb_module et_pb_image et_pb_image_12"> <a 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