1. Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen or experience.

2. Industry recognitions or award should not be construed as an endorsement or a recommendation to retain the Adviser by the ranking entity or any regulatory authority. Nothing in this communication is intended to imply and should not be construed to imply that services comparable to those offered by the Adviser cannot be found elsewhere.

3. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Diversification does not eliminate the risk of market loss an A long-term investment approach cannot guarantee a profit.

4. This communication may include opinions and forward-looking statements. All statements other than statements of historical fact are opinions and/or forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”). Although we believe that the beliefs and expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such beliefs and expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements. All expressions of opinion are subject to change. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update publicly or revise any dated or forward-looking statements.

5. This communication is distributed for informational purposes, and it is not to be construed as an offer, solicitation, recommendation, or endorsement of any particular security, products, or services. Nothing in this communication is intended to be or should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes.

6. Any references to outside data, opinions or content are listed for informational purposes only and have not been verified for accuracy by the Adviser. Third-party views, opinions or forecasts do not necessarily reflect those of the Adviser or its employees.

7. Adviser does not endorse the statements, services or performance of any third-party author or vendor cited.

8. This information is provided to illustrate a general concept and was not derived from any specific empirical sources and/or independently tested for validity or accuracy by Adviser.

9. Adviser is not licensed to provide and does not provide legal, insurance, or mortgage advice and/or products to clients. Advice of qualified licensed professionals should be sought to address any specific situation involving these areas.

10. Industry registrations or designations should not be construed as an endorsement or a recommendation to retain the Adviser by the granting entity. A detailed description of listed professional designations is available upon request on in our Firm’s Form ADV Part 2B.