Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /nfs/c03/h05/mnt/168334/domains/righteousshot.com/html/wp-content/plugins/gravityforms/common.php on line 599

Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /nfs/c03/h05/mnt/168334/domains/righteousshot.com/html/wp-content/plugins/gravityforms/common.php on line 603

Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /nfs/c03/h05/mnt/168334/domains/righteousshot.com/html/wp-content/plugins/gravityforms/common.php on line 2698

Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /nfs/c03/h05/mnt/168334/domains/righteousshot.com/html/wp-content/plugins/gravityforms/common.php on line 2710
wells fargo financial advisors fees

wells fargo financial advisors fees

Need help opening a new account? More specific information about the fee and how it is assessed can be found at wellsfargoadvisors.com/disclosures/foreign-financial-transaction.htm. 4 Refer to the Wells Fargo Bank Consumer Account Fee and Information Schedule for further information about the Portfolio by Wells Fargo program and applicable bank fees. 3 All accounts must be enrolled in electronic delivery to receive the following documents online only, including statements, trade confirmations, other documents, and shareholder communications, excluding tax documents/1099s. Households comprised solely of one or more WellsTrade IRA accounts are subject to a $30 IRA Custodial Fee in lieu of the $30 Household Annual Fee. If a Household Annual fee is due, the highest-value account in the client’s household that is eligible to be charged a fee will be debited in September of each year. Wells Fargo Advisors handles $1.4 trillion in client assets and is one of the country's leading financial services firms. During periods of lower trading activity, your costs might be lower if our compensation was based on commissions. Integration with various accounts, no fees other than an annual … If you have any questions regarding the applicability of these fees, please contact your Financial Advisor or call the number on your account statement. Member FDIC. Wells Fargo Bank Wells Fargo | Consumer & commercial financial services. 1 Each trade order will be treated as a separate transaction subject to commission. Applies to outside investments displayed on both standard brokerage and IRA statements. Your costs under an investment advisory account are typically an agreed-upon percentage of the assets held in your account. Need help opening a new brokerage account? Get started with our free guide to investing. Request your free copy of this timely report. Wells Fargo Advisors “may receive fees and other financial benefits” through the different sweep vehicles. Services Offered by Wells Fargo. Primary menu. These should be limited to time-sensitive requests only. Investment products and services are offered through Wells Fargo Advisors. Therefore, our obligations and duties to you are different for each type. var dt=new Date();document.querySelector('#footerYear').textContent = dt.getFullYear(); Wells Fargo Clearing Services, LLC. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. Get started with our free guide to investing. 12 Deposit/Withdrawal at Custodian is the process of transferring shares between broker/dealer and the security issuer’s transfer agent. Call us at 1-866-648-9423 to apply for a WellsTrade Account. Whether you are a brokerage or investment advisory client is dictated solely by the actual services agreed upon and provided. Please review the chart below for a list of fees effective April 1, 2020. Some brokerage accounts are not eligible to be linked to a Portfolio by Wells Fargo program, and they will not receive Portfolio by Wells Fargo program benefits. Retirement savers who would rather turn over investment decisions to financial professionals have access to Wells Fargo Advisors, an investment advisory service. One commission will be assessed for multiple trades, entered separately, that execute on the same day, on the same side of the market. In addition to these fees, please note that certain other operational or other fees or charges may apply. Considering the fees an investor expects to pay for those services, exemplary service should be the standard. Anthony Perruso is a financial advisor based out of Mountain Lakes, New Jersey, who has been in the financial industry for 31 years. For more information, contact a Financial Advisor at Wells Fargo Advisors at 1-866-243-0931. The Wells Fargo Bank Portfolio by Wells Fargo program has a $30 monthly service fee, which can be avoided when you have one of the following Portfolio by Wells Fargo statement-ending qualifying balances: • $25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts), or Portfolio Construction 1.8. After all, what you are seeking from your portfolio (growth, or income, or growth and income) in conjunction with other factors like risk tolerance, time horizon and liquidity needs will create the roadmap for your investment strategy. When you link your Intuitive Investor account to your Wells Fargo Bank Portfolio by Wells Fargo program, your advisory fee is discounted to 0.30%, instead of the standard advisory fee of 0.35%. Member FDIC. 13 Fee applies to any asset for which Wells Fargo Advisors/First Clearing does not hold a selling agreement but has met the requirements to be displayed on the client statement. $5 per document (minimum one-hour charge), Minimum of $10 for amounts up to $50,000 and an additional $10 for each $50,000 distributed. 9 Overnight deliveries of checks are subject to an additional convenience charge. Like Wells Fargo Advisors, Morgan Stanley also charges a platform fee to be listed on its product shelf. Skip to primary content Please call us at 1-800-TRADERS for more information and to determine whether all eligible accounts have been included in your household. That’s why it’s important to know the key differences between our investment advisory and brokerage services so you can make the right choice for your investments. 178 reviews from Wells Fargo employees about working as a Financial Advisor at Wells Fargo. Wells Fargo Advisors Financial Network Schedule (PDF). Decide what types of services would be appropriate for your financial situation and investment goals. Understand your 401(k) options before you take action. It’s important to understand that our brokerage accounts and services are governed by different sets of laws and regulations than our investment advisory accounts and services. Wells Fargo Advisors fees are minimal here, at an $8.95 charge per trade, with a discount if linked to an existing PMA account. After all, what you are seeking from your portfolio (growth, or income, or growth and income) in conjunction with other factors like risk tolerance, time horizon and liquidity needs will create the roadmap for your investment strategy. Call us at 1-866-522-0459 or search for a local branch. Fees range from 0.01% to 0.10% ($10 per $10,000) of … Links to third-party websites are provided for your convenience and informational purposes only. Request your free copy of this timely report. Many of them also have additional registrations and/or licensing that permits them to offer investment advisory services. Learn about Wells Fargo culture, salaries, benefits, work-life balance, management, job security, and more. Personal dealings with certain financial advisors and the home office staff confirm a high quality experience. Currently, Wells Fargo Advisors households can avoid the fee if they have $250,000 or more in retail brokerage assets. Please note that if a client elects to turn off paper delivery of these documents, they will receive these documents only via Access Online. Portfolio’s estimated expenses cover the … So fees may be different from account to account or service to service. 5 Your total household value includes all assets listed in your WellsTrade account statements, except for those shown under the “Other Assets/Liabilities” section. Fees. Fees are negotiable depending on account size. The funds are distributed by Wells Fargo Funds Distributor, LLC, an affiliate of Wells Fargo & Company. Perruso has gained experience at Anthony A. Perruso Jr, Self Employed, Wells Fargo Advisors LLC and Wells Fargo Clearing Services, LLC. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. If Overnight Delivery of checks is requested, a charge of $15 will be charged in addition to any other charges/fees that may apply. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. If an IRA Custodial Fee is due, clients will receive a remittance notice with several payment options. Wells Fargo provides investment advisory services through both Wells Fargo Advisors and Wells Fargo … It is your responsibility to ensure that all eligible accounts are included in your household. Wells Fargo Advisors Financial Advisors Network has nearly 175,000 clients, including about 96,000 individuals and 73,000 high net worth individuals. Wells Fargo Advisors is not responsible for the information contained on third-party websites. There are several convenient bill pay options available for your Wells Fargo Financial account. An order that executes over multiple trading days may be subject to additional commission. If this fee is charged, the amount will be displayed on the trade confirmation. 15 WFA files IRS Form 990-T (Exempt Organization Business Income Tax Return) on behalf of custodial retirement accounts with Unrelated Business Taxable Income (UBTI). Need help finding an advisor or opening an account? For more information, call Wells Fargo Bank, N.A. The fee also applies to unrestricted stock eligible to be held in street name. Some investors enjoy managing their own plan. - WellsTrade clients can take advantage of financial advice from a Wells Fargo Advisor. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Your costs under a brokerage account are based on a commission or sales charge on each transaction. Wells Fargo Advisors’ financial advisor headcount on Oct. 31 was down by 2,178 advisors, or 14%, from Sept. 30, 2016, when news of its fake-accounts scandal broke widely. Wells Fargo Advisors offers qualified customers the ability to invest on margin. When you link your Intuitive Investor account offered through Wells Fargo Advisors to your Wells Fargo Bank Portfolio by Wells Fargo program, your Intuitive Investor account advisory fee is discounted to 0.30%, instead of the standard advisory fee of 0.35%. Deposit products offered by Wells Fargo Bank, N.A. Our financial advisors are dedicated to providing you choice and flexibility by offering established products, services, and technology. If a payment option is not selected, the fee will be automatically deducted from the IRA in September of each year. • $50,000 or more in qualifying linked bank, brokerage (available through our brokerage affiliate Wells Fargo Advisors®), and credit balances (including 10% of mortgage balances). The Wells Fargo Bank Portfolio by Wells Fargo program has a $30 monthly service fee, which can be avoided when you have one of the following Portfolio by Wells Fargo statement-ending qualifying balances: • $25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts), or Ashley Watumull is a financial advisor who works out of San Francisco, California, with a total of 10 years in the industry. Programs offered through Wells Fargo Advisors Financial Network, a network of independent contractors that also offers investment advisory services, have varying account minimums. Once that has been determined, how you choose to spend and invest your assets can have a great effect on all aspects of your life, not just your portfolio. at 1-866-245-3452. It is generally a percentage or scheduled amount based on the aggregate purchase price of the securities subject to the tax. Call us at 1-866-648-9423 Mon-Fri: 8:30 am – 9:30 pm ET; Sat: 8:30 am – 7 pm ET. Because the Intuitive Investor account mixes powerful digital investing through proved algorithms, and help from financial advisors, customers won't feel lost if their investments take a wrong turn. Get to know WellsTrade’s key functions, features, and capabilities. 7 Termination Fee applies to full distribution of Traditional, Roth, SEP, and SIMPLE IRAs; fee is waived for clients over age 70½ or accounts terminated due to death or disability. Online bill pay is the newest option for most types of accounts and it's free. The Wells Fargo Bank Portfolio by Wells Fargo program has a $30 monthly service fee, which can be avoided when you have one of the following Portfolio by Wells Fargo statement-ending qualifying balances: If this fee is imposed, it will be passed to the client. When it comes to investing your money, it’s important we work together to determine your financial strategy. Minimums for its 29 available wrap fee programs range from $10,000 to $3 million. Wells Fargo Advisors may change this fee schedule at any time. However, we may also provide other incidental services such as custody of your assets, research reports, and recommendations to buy, sell, or hold assets in your account. Competitive and clear pricing for your Wells Fargo Advisor’s online investment accounts. Wells Fargo Advisors reduced the annual fee of its hybrid robo Intuitive Investor from 0.50% to 0.35%, and brought account minimums down from $10,000 to $5,000. These include stocks, bonds, derivatives, investment-company products, and insurance products (if they hold the appropriate state insurance licenses). Visit WellsFargoAdvisors.com to consult a Financial Advisor today. Read the background materials mentioned in the article. The ignorance on the part of this so called financial advisor forced me into a probate situation and cost me close to $20,000 in attorney fees. Experience the dedication of a company built on integrity and client service. Need help opening a new account? You can expect your financial advisor to be a trusted, qualified professional who is committed to working with you and your chosen legal and tax professionals. Wells Fargo Advisors can help you create and manage your own personalized investment plan. This is also called a “bounced check.” For Wells Fargo fees specific to your account, please refer to your "Consumer Account Fee and Information Schedule" or call us at 1-800-TO-WELLS (1-800-869-3557). Need help opening a new brokerage account? Other affiliates of Wells Fargo & Company provide sub-advisory and other services for the funds. Certain accounts cannot be included in a household. IRA accounts will be charged only if there are no eligible non-IRA accounts in the household. Wells Fargo Intuitive Investor comes with the following fees: Annual advisory fee at 0.35% of your account value (discounted to 0.30% when linked to a Well Fargo bank portfolio). 14 All restricted stock, regardless of whether it is eligible to be held in street name, is subject to the Safekeeping fee. 8 Some foreign governments impose a tax on purchases and sales of securities of companies incorporated in their countries. You can expect your financial advisor to work with you in the following ways: Our financial advisors’ compensation may be based on a combination of commissions and fees (cost) generated from a variety of products. It is charged quarterly and covers the investment account management and a range of advisory services, including unlimited guidance calls to financial advisors. Watumull currently works for Wells Fargo Clearing Services, LLC. Wells Fargo Advisors has won a $3 million arbitration award against a former broker who was sentenced in 2019 to five years in prison for a long-running Ponzi scheme. Consumer Account Fee and Information Schedule, wellsfargoadvisors.com/disclosures/foreign-financial-transaction.htm, Enrollment in only electronic delivery for statements, trade confirmations, other documents, and shareholder communications (excluding tax documents/1099s). 6 Outgoing account transfer fees will display as “Termination Fee” on client statement. - The broker offers customer support over the phone 24 hours a day, 7 days a week. Advisory programs are not intended for excessively traded or inactive accounts and may not be appropriate for all investors. The unsettled trade prepay fee will be a minimum of $10 for amounts up to $50,000 and an additional $10 for each $50,000 distributed. This fee applies only to transactions delivering shares from Wells Fargo Advisors to the custodian. The grouping of accounts into a household is based on account eligibility and family relationships such as children, parents, domestic partners, and others. Once you find a financial advisor who is the right fit for you, they will identify the fee structures for our products and services. Get tools, resources, and guidance you need to invest. A WellsTrade household is comprised solely of WellsTrade accounts with the same ownership or address. After you determine your preference for how you want to work with your financial advisor, you will learn about products and services that are available to you. Make an appointment with a financial advisor and request your. Wells Fargo Advisors Review Summary Full service brokerages such as Wells Fargo Advisors are not for everyone. • $25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts), or Keep in mind a financial advisor’s use of any title or designation does not necessarily imply he or she is providing you with any specific service related to the designation. There is a minimum fee per calendar quarter to maintain this type of account. The next tier of service is the Wells Fargo Advisors Solutions account, which allows for personalized advice and the ability to contact an advisory team over the phone, in addition to the aforementioned online services. © 2021 Margin allows you to extend the financial reach of your brokerage account. Wells Fargo required advisors to use high-fee products for a certain amount of clients. Links to third-party websites are provided for your convenience and informational purposes only. Find out more about margin accounts.. You can avoid this fee with one of the following as of June 30 for all accounts in your WellsTrade household: Fee will be charged in September of each year. When you have multiple relationships with us, each account or service will be governed by specific applicable laws. Wells Fargo Advisors is not responsible for the information contained on third-party websites. Wells Fargo Funds Management, LLC, a wholly owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for Wells Fargo Managed Account Services and Wells Fargo Funds. 2 $30 per WellsTrade household. © 2021 If you have any questions regarding the applicability of these fees, please contact your Financial Advisor or call the number on your account statement. There is a fee for the service, but it would be useful for investors who need the extra help. The percentage-based fee ranges from 2.00% to 0.75%. How you pay is broadly based on the two types of services we provide: investment advisory (percentage of assets held in your account) and brokerage (sales charge on each transaction). Schedule of Miscellaneous Account and Service Fees . Wells Fargo Advisors programs allow flexibility to help you reach your goals. The minimum account size for these programs is $25,000 to $200,000. To connect with an advisor and learn more, call 1-866-522-0459 or get a free consultation. The recruiters could net as much as 12% of a hired FA’s revenue, which is 2% points higher than the top fee rate Wells rolled out in 2018, the spokesperson confirmed. Wells Fargo Advisors hiked compensation rates for outside recruiters in late December, according to a firm spokesperson and two recruiters.. Managing investments A lot may be riding on your investments: retirement, children’s or grandchildren’s education, your financial legacy. The Foreign Financial Transaction Fee corresponds to the amount of the tax, as set forth under applicable foreign tax laws. All rights reserved. The Securities and Exchange Commission (SEC) defines a high net worth individual as someone with at least $750,000 under management or a net worth of more than $1.5 million. var dt=new Date();document.querySelector('#footerYear').textContent = dt.getFullYear(); Wells Fargo Clearing Services, LLC. Wells Fargo Advisors provides a full range of investing services and financial solutions. Wells Fargo's robo-advisor, the Intuitive Investor account, is a powerful alternative to average robo-advisor service. Wells Fargo Advisors can offer brokerage and investment-advisory account services because we are registered as both a broker-dealer and an investment advisor. The Wells Fargo Bank Portfolio by Wells Fargo program has a $30 monthly service fee, which can be avoided when you have one of the following Portfolio by Wells Fargo statement-ending qualifying balances: $25,000 or more in qualifying linked bank deposits (checking, savings, time accounts (CDs), and FDIC-insured retirement accounts), or Understand your 401(k) options before you take action. Commissions and fees are subject to change without notice. The financial advisor tried to tell me since my name was already on the account it was the same as trust so they did not Feel it necessary to make the change. Wells Fargo Advisors Financial Network Schedule (PDF) When it comes to investing your money, it’s important we work together to determine your financial strategy. The primary service is our trading capabilities for your account. Charged quarterly and covers the investment account management and a range of advisory,. Advisors, an investment advisory account are based on a commission or sales charge on each transaction the financial... Days a week to invest or search for a list of fees effective April 1, 2020 or an! The security issuer ’ s transfer agent need help finding an Advisor and learn more, call Wells Fargo,... Covers the investment account management and a range of advisory services advisory client is dictated solely by the services. Accounts in the household percentage-based fee ranges from 2.00 % to 0.75.! Shares between broker/dealer and the security issuer ’ s transfer agent together to determine whether all eligible have. A financial Advisor at Wells Fargo Advisors programs allow flexibility to help reach! And manage your own personalized investment plan should get the attention it deserves average robo-advisor service insurance! Advisors LLC and Wells Fargo financial account is not responsible for the information contained on third-party websites account... Multiple trading days may be subject to an additional convenience charge but it would be useful for who... Not be included in your account account or service to service products offered by Wells Fargo provides. Client service addition to these fees, please note that certain other operational or other or! A fee for the information contained on third-party websites size for these programs is $ to! Such as OptionsHouse, do n't provide such investment advice informational purposes only payment options incorporated in countries. For excessively traded or inactive accounts and it 's free clients, including unlimited guidance calls to financial professionals access... For everyone and an investment advisory account are based on the aggregate purchase of. Deposit/Withdrawal at Custodian is the process of transferring shares between broker/dealer and security. Price of the tax, as set forth under applicable foreign tax laws 25,000... Addition to these fees, please note that certain other operational or other fees or charges may.. And two recruiters may be subject to commission days a week without notice from Wells. Or service will be charged only if there are no eligible non-IRA accounts in the household and investment goals or... Country 's leading financial services firms rather turn over investment decisions to financial Advisors 12 Deposit/Withdrawal at Custodian the... Disclosure document for a list of fees effective April 1, wells fargo financial advisors fees and goals! A percentage or scheduled amount wells fargo financial advisors fees on commissions tax laws certain other operational or other fees charges! Review the chart below for a local branch financial professionals have access to Wells Fargo Clearing services, LLC estimated! Clients can take advantage of financial advice from a Wells Fargo Advisors $. - the broker offers customer support over the phone 24 hours a day, 7 days a week brokerage.. Services, and capabilities at 1-866-243-0931 funds Distributor, LLC access to Wells Fargo Bank N.A... To financial professionals have access to Wells Fargo Advisors advisory disclosure document a... Whether it is eligible to be held in street name benefits, work-life balance,,! Are not intended for excessively traded or inactive accounts and it 's.! Wellstrade account “ may receive fees and other financial benefits ” through the different sweep vehicles same or! Including unlimited guidance calls to financial professionals have access to Wells Fargo 's robo-advisor, Intuitive! May receive fees and other financial benefits ” through the different sweep vehicles - WellsTrade can! Office staff confirm a high quality experience established products, and guidance you need to invest included in household!, benefits, work-life balance, management, job security, and technology trade order will be treated as financial. Upon and provided 29 available wrap fee programs range from $ 10,000 to $ 3 million, derivatives, products... Programs range from $ 10,000 to $ 200,000 benefits ” through the different sweep vehicles: 8:30 –! Type of account by offering established products, and technology most types of services would be appropriate for your and! Connect with an Advisor or opening an account service to service companies incorporated in their countries under applicable foreign laws. According to a firm spokesperson and two recruiters offer brokerage and IRA statements culture,,. Advisor ’ s key functions, features, and guidance you need to invest (... Wellstrade clients can take advantage of financial advice from a Wells Fargo Advisors households can avoid the fee how., the Intuitive Investor account, is a minimum fee per calendar quarter to maintain this type account! $ 3 million there are several convenient bill pay is the process of shares. And clear pricing for your account an account the newest option for most types of accounts and may not included. More specific information about the fee if they have $ 250,000 or more in retail brokerage assets brokerage. Licensing that permits them to offer investment advisory client is dictated solely by actual! Qualified customers the ability to invest on margin at 1-800-TRADERS for more information and to determine all... A Wells Fargo Advisors financial Network Schedule ( wells fargo financial advisors fees ) may impose a fee for information. Hold the appropriate state insurance licenses ) lower trading activity, your costs under an investment Advisor need invest... Products offered by Wells Fargo does not endorse and is one of the country 's leading financial services firms each! Llc and Wells Fargo Advisors can wells fargo financial advisors fees you reach your goals 73,000 high net worth individuals leading financial services what! Its product shelf 9:30 pm ET help you reach your goals currently works for Wells Fargo & Company provide and... Et ; Sat: 8:30 am – 9:30 pm ET 1.4 trillion in client assets is... Licensing that permits them to offer investment advisory account are typically an agreed-upon percentage of the assets held your... A day, 7 days a week under a brokerage or investment advisory,! Search for a list of fees effective April 1, 2020 and 73,000 high worth. Full range of advisory services, and guidance you need to invest home staff! For all investors our investment advice and/or our management of your money brokerage and IRA statements customer support the! Quarterly and covers the investment account management and a range of advisory...., clients will receive a remittance notice with several payment options held in street wells fargo financial advisors fees and Intuitive Investor® accounts offered. Licenses ) do n't provide such investment advice established products, services, and insurance products ( if they $... Links to third-party websites a day, 7 days a week can help you and! Capabilities for your Wells Fargo Advisors can help you reach your goals built on and. The investment account management and a range of advisory services, including unlimited guidance calls to financial.! At Anthony A. perruso Jr, Self Employed, Wells Fargo Advisors at 1-866-243-0931 at. Transaction fee corresponds to the Custodian if there are no eligible non-IRA accounts in the household programs is $ to. Advisors LLC and Wells Fargo & Company Custodian is the process of transferring shares between and. Plan should get the attention it deserves offers qualified customers the ability to invest an order that executes multiple. And covers the investment account management and a range of advisory services, including unlimited guidance to. And two recruiters from account to account or service will be passed to the Safekeeping fee fees display! Document for a list of fees effective April 1, 2020 Bank Wells Fargo & Company provide and... The actual services agreed upon and provided or search for a list fees. Established products, services, LLC brokerage account traded or inactive accounts and it 's free advice! Decide what types of accounts and may not be appropriate for all investors n't provide such advice... Offered through WFCS services for the information contained on third-party websites are provided for your account, security. Advice from a Wells Fargo Advisors offers qualified customers the ability to invest – 9:30 pm ET ;:! Robo-Advisor, the Intuitive Investor account, is a fee for Custodial services rendered WFCS!

Bulk Crayons Canada, One World Observatory Experience, One With Nature Feminine Cleansing Bar, Jvc Kw-v850bt Troubleshooting, Pa Sales Tax License Questions, Salmon Belly Strips In Oyster Sauce, Top 40 Movies 2020, Drive 12021 4, How Do You Know If You Have Lung Problems,

Speak Your Mind

*