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The Pros and Cons of a Big Tax Refund

Is receiving a big tax refund a reason to celebrate?

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LPL Financial Form CRS

The investment products sold through LPL Financial are not insured Upper Peninsula State Bank deposits and are not FDIC insured. These products are not obligations of Upper Peninsula State Bank or any government agency. Securities are offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

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Check the background of this investment professional