1. What Does Your Retirement Look Like?

While there isn’t a one-size-fits-all answer, envisioning your ideal retirement lifestyle is crucial. Consider your hobbies, travel plans, and daily activities.

2. Are You Confident You’re on the Right Track?

Shockingly, 56% of people report that they are not on track for retirement. Regularly assess your financial situation and retirement plans to ensure you stay on course.

3. What Percentage of Workers Have a Written Retirement Plan?

Only about 33% of workers have a formal retirement plan. Writing down your goals and strategies can significantly enhance your retirement readiness.

4. What’s the Average Age of Retirement in the U.S.?

The average age of retirement is around 62, with many people leaving the workforce earlier than expected. Have you planned for this transition?

5. What is the Life Expectancy of a 65-Year-Old?

For someone aged 65, the life expectancy is approximately 84.5 years. Planning for potentially two decades or more of retirement is essential.

6. How Much Do Americans Think They Need When They Retire?

Americans generally believe they need between $1,000,000 to $2,000,000 for a comfortable retirement, with an average expectation of $1.82 million.

7. What Percentage of Households Have $0 Saved for Retirement?

Approximately 46% of American households have no retirement savings at all. This statistic emphasizes the urgency of starting your retirement savings as soon as possible.

8. How Much Should You Have Saved by Your Age?

By age 40, aim to have three times your salary saved, and six times by age 50. These benchmarks can help keep your retirement on track.

9. When Do You Need to Start Taking Required Minimum Distributions (RMDs)?

RMDs must begin at age 72, but individual circumstances may vary, so it’s essential to consult with a financial advisor.

10. What Will Happen to the 24% Tax Bracket in 2026?

The 24% tax bracket is set to increase to 28% in 2026. Planning your tax strategies now can help mitigate future tax burdens.

11. When Do You Pay Taxes on Retirement Accounts?

Taxes are paid when you contribute to a Traditional IRA, whereas Roth IRAs allow for tax-free withdrawals in retirement.

12. What Will a Dollar Now Be Worth in 20 Years?

Considering a 3% inflation rate, a dollar now will only equal about $1.81 in purchasing power after 20 years. Planning for inflation is crucial!

13. Should You Invest in Mutual Funds or ETFs?

While the differences are minimal, ETFs are slightly favored for their lower expense ratios and tax efficiency.

14. Do You Have to Take RMDs from a Roth IRA?

True! You must take RMDs from a 401(k) but not from a Roth IRA, making Roth IRAs a popular choice for tax planning.

15. How Many People Miss Out on 401(k) Matching?

Approximately 20% of 401(k) contributors fail to take advantage of their employer’s matching contributions. Don’t leave free money on the table!

16. How Much Should You Save Monthly at Age 40 to Have $1,000,000 by 65?

To reach $1,000,000 by age 65, you need to save about $1,530 monthly at a 6% growth rate, starting at age 40.

17. What Percentage of Americans Claim Social Security at Age 62?

About 30% of Americans claim Social Security benefits at age 62, although delaying can lead to higher monthly payouts.

18. What Percentage of Salary Will Social Security Replace After Retirement?

Social Security is expected to replace approximately 37% of the average salary in retirement. Supplementing with personal savings is essential for financial security.

Conclusion

Understanding these questions and their answers can empower you to take control of your retirement planning. Whether you’re just starting or are already on your path to retirement, being informed is key to making sound financial decisions. Now is the time to assess your situation, write down your retirement goals, and consult with financial professionals to ensure a secure and fulfilling retirement.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post 18 Essential Questions About Retirement Answered: Your Guide to a Secure Future appeared first on :.

1. Retirement Planning and Expectations

The key to successful retirement planning is setting realistic expectations. Many retirees misjudge how much they’ll need or don’t consider the evolving nature of their expenses over time. Common missteps include not accounting for inflation and withdrawing too much too quickly from retirement portfolios.

Key Takeaways:

• Sustainable cash flow is critical. Determine a safe withdrawal rate (often around 4% annually) that aligns with your portfolio’s growth and market conditions.
• Consider life expectancy and how your spending patterns may change, especially with increased healthcare needs in later years.
• Account for rising costs due to inflation, especially on basic needs like housing, food, and medical care.

2. Market Miscalculations and Asset Allocation

Market performance is inherently unpredictable, and retirees must account for sequence of return risk. This happens when retirees withdraw funds during market downturns, potentially depleting their savings faster than expected.

Tips for Market Miscalculations:

• Avoid “reverse dollar-cost averaging” by minimizing large withdrawals during periods of poor market performance.
• Consider a diversified asset allocation that balances growth and safety. For example, bond-heavy portfolios can provide stability, while equities offer potential for growth to counteract inflation.
• Regularly review and adjust your asset allocation to align with market conditions and changing retirement needs.

3. Required Minimum Distributions (RMDs) and Tax Planning

Many retirees make costly mistakes with RMDs, often due to confusion around the rules or penalties for late distributions. Failing to take RMDs can result in hefty tax penalties.

RMD Management Tips:

• RMDs must be taken from tax-deferred accounts (like IRAs and 401(k)s) starting at age 73 (as of 2024), with penalties for missed or late distributions.
• Consider aggregating IRAs if you have multiple accounts to simplify your withdrawals.
• Use RMDs as part of your overall tax planning strategy to minimize tax liabilities in retirement. Roth conversions can reduce the tax burden by allowing for tax-free growth in the long run.

4. Long-Term Care and Medical Expenses

Long-term care costs are a significant financial risk in retirement. Without proper planning, these costs can quickly deplete retirement savings, leaving retirees financially vulnerable.

Planning for Long-Term Care:

• Explore long-term care insurance to cover the potential costs of assisted living or nursing care.
• Consider hybrid life insurance policies that offer long-term care benefits.
• Have a clear plan for medical expenses, including prescription medications, routine care, and unexpected hospital visits.

5. Estate Planning and Legal Documents

Estate planning is about more than just distributing assets after death – it’s about ensuring that your financial and medical wishes are honored in retirement.

Estate Planning Essentials:

• Draft a will or trust to avoid probate and ensure your assets are distributed according to your wishes.
• Set up powers of attorney for both financial and healthcare decisions, so trusted individuals can act on your behalf if you become incapacitated.
• Regularly update your beneficiary designations on retirement accounts and insurance policies to reflect your current wishes.

6. Social Security Claiming Strategy and Medicare Enrollment

Social Security is a critical source of income for many retirees, but deciding when to claim benefits requires careful consideration. Claiming benefits early (at age 62) reduces your monthly payments, while delaying until age 70 can increase your benefit.

Social Security and Medicare Considerations:

• Delayed claiming can result in a higher monthly benefit, but it’s important to consider your overall financial situation, health, and life expectancy.
• Keep an eye on Medicare enrollment deadlines to avoid late enrollment penalties. Be aware of how your income can impact your Medicare premiums.

7. Balancing Retirement and Personal Time

Retirement isn’t just about money – it’s also about time. Managing your newfound free time is just as important as managing your finances, as it plays a huge role in your quality of life.

Strategies for a Fulfilling Retirement:

• Stay active through part-time work, hobbies, or volunteering. It’s important to have structure and purpose during retirement.
• Discuss and coordinate plans with your spouse or partner to ensure you’re both aligned on how you want to spend your time.
• Ensure a healthy work-life balance if you plan to continue working part-time during retirement.

Final Thoughts

Planning for retirement goes beyond the basics of saving and investing. It requires careful consideration of market risks, taxes, healthcare costs, and personal time management. By addressing these factors, you can create a well-rounded strategy that sets you up for a financially secure and fulfilling retirement.

Action Items:

• Review your retirement expectations and ensure they align with your savings and withdrawal strategy.
• Rebalance your portfolio regularly to protect against market downturns.
• Take RMDs on time and consider how Roth conversions could benefit your tax situation.
• Plan for long-term care expenses and secure the right legal documents for estate planning.
• Finally, don’t forget to plan for how you’ll spend your time to ensure a fulfilling retirement.

Need help navigating your retirement planning? Reach out to a financial advisor for personalized guidance and peace of mind.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post A Comprehensive Approach to Retirement Planning: Expectations, Market Risks, and Estate Planning appeared first on :.

In this guide, we’ll cover the most important elements of estate planning, from the basics of wills and trusts to digital assets and the need for powers of attorney. Whether you’re just getting started or need to update your plan, here are the seven critical steps to avoid common estate planning errors.

1. Estate Planning Basics: The Foundation of a Strong Legacy

Estate planning isn’t just for the wealthy—it’s for anyone who wants their assets distributed according to their wishes. It involves creating a strategy for the distribution of your wealth, property, and possessions after death. The key documents involved in estate planning include:

• Wills – Dictating who inherits your assets.
• Trusts – Designed to avoid probate and control how and when assets are distributed.
• Powers of attorney – Naming individuals to make health or financial decisions if you become incapacitated.
• Healthcare directives – Outlining your preferences for medical care.

Without a well-thought-out estate plan, the courts may decide how your assets are distributed, often leading to delays, extra costs, and stress for your loved ones.

2. Why Wills and Trusts Are Critical for Your Estate

One of the most common estate planning mistakes is failing to distinguish between the roles of a will and a trust. While a will outlines how your assets will be distributed, it does not avoid probate—a potentially lengthy and costly legal process. On the other hand, setting up a trust allows you to transfer assets without probate, giving you more control over when and how your beneficiaries receive their inheritance.

However, establishing a trust is only effective if it’s properly funded. This means ensuring that assets like real estate, bank accounts, and investments are titled in the name of the trust. Funding your trust correctly helps avoid probate and ensures your wishes are carried out smoothly.

3. Properly Funding Trusts to Avoid Probate

One of the most expensive and time-consuming mistakes people make is not funding their trust properly. If your assets aren’t titled in the name of the trust, they may still be subject to probate—defeating the purpose of having a trust in the first place.

To avoid this issue:

• Review property titles: Ensure that your home, vehicles, and any real estate are titled under the trust’s name.
• Check your financial accounts: Make sure bank and brokerage accounts are properly aligned with your trust. Sometimes, a simple oversight in titling can cause major legal hurdles down the line.

4. Planning for Your Children’s Future: Guardianship and Financial Guidance

When it comes to estate planning, your children’s future is paramount. Beyond naming beneficiaries, consider naming guardians for minor children and specifying how you’d like their inheritance to be used for their care and education. Think about:

• How much financial responsibility should your children have?
• At what age will they inherit?
• What values do you want them to uphold?

It’s important to ensure that the funds set aside for their support are used wisely, particularly if your children are still young or lack financial acumen. You can use your estate plan to set guidelines for how the money is managed.

5. Update Your Estate Plan Regularly to Reflect Life Changes

An outdated estate plan is almost as dangerous as not having one at all. Life is constantly evolving—births, deaths, marriages, divorces, and even changes in tax laws can impact your estate. It’s recommended that you update your estate plan every 3 to 5 years or after any significant life event to ensure it reflects your current wishes and legal requirements.

Key life events that may require estate plan updates include:

• Marriage or divorce
• The birth of a child or grandchild
• Changes in tax laws
• Major financial changes, such as the purchase or sale of property

6. Don’t Overlook Powers of Attorney for Health and Financial Decisions

Another key aspect of estate planning is naming a power of attorney (POA) for health care and financial decisions. If you become incapacitated, you’ll want someone you trust to manage your affairs. There are two primary types of POA:

• Financial POA: Allows someone to manage your finances.
• Healthcare POA: Grants someone the authority to make medical decisions on your behalf.

Choosing the right individual and regularly updating these documents ensures your wishes will be honored should the need arise.

7. Don’t Forget About Digital Assets

In today’s digital world, it’s essential to consider how you’ll handle digital assets like email accounts, social media profiles, and even cryptocurrency. Many estate plans overlook digital assets, which can create confusion after death.

Make sure you:

• Include provisions in your estate plan that specify how you’d like your digital assets to be managed or distributed.
• Use settings within social media accounts to determine who has control over your profiles after you pass.

By addressing digital assets in your estate plan, you can prevent headaches for your heirs and ensure your digital life is handled according to your wishes.

Take Action Today: Steps to Secure Your Legacy

Avoiding common estate planning mistakes will save your loved ones time, money, and stress. Here are the next steps to ensure your estate is in order:

1. Update estate plan documents every 3 to 5 years or after significant life changes.
2. Ensure all assets are properly titled in the name of the trust.
3. Review and update beneficiaries for retirement accounts.
4. Discuss your wishes and estate plan with family members to avoid confusion.
5. Create a plan for pets to ensure they are cared for after your passing.
6. Verify pension and annuity terms for post-death income continuation.

Conclusion
Estate planning is one of the most important things you can do to protect your family and ensure your wishes are honored after death. By avoiding common mistakes like improperly funding trusts, neglecting digital assets, or failing to update your plan, you’ll help prevent probate, minimize taxes, and leave behind a clear legacy for your loved ones.

IMPORTANT DISCLOSURES:

• Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC. A Registered Investment Advisor.

• Pure Financial Advisors, LLC. does not offer tax or legal advice. Consult with a tax advisor or attorney regarding specific situations.

• Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.

• Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

• All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

• Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.

The post 7 Essential Steps to Avoid Common Estate Planning Mistakes and Secure Your Legacy appeared first on :.

1. The Importance of Financial Literacy

One of the first topics touched on in the episode is the crucial role of financial literacy in our lives. The hosts stress that understanding your finances is not only about managing money, but about securing your future. They use the example of how many people end up in debt not because they don’t earn enough but because they don’t have a plan for their finances.

Example from the episode: “People often find themselves making good money, but somehow it’s never enough. Without a financial plan, money slips through your fingers before you even know it.”

Key Takeaway: To avoid financial pitfalls, the hosts encourage listeners to create a budget, track their expenses, and focus on saving and investing for long-term financial stability.

2. Navigating Healthcare Costs

Another major topic is the rising cost of healthcare, which has become a significant burden for many families. The episode explores how navigating health insurance options and understanding the various plans available can help individuals avoid overwhelming medical bills.

Example from the episode: “It’s no longer enough to just ‘have insurance.’ You have to know exactly what your plan covers and what it doesn’t, or you could be left with a massive out-of-pocket expense.”

Key Takeaway: The hosts emphasize the importance of reviewing your healthcare plan every year to ensure it still meets your needs, especially if your health situation or family size changes.

3. The Impact of Debt on Mental Health

Debt doesn’t just affect your bank account — it can take a significant toll on your mental well-being. In the episode, the hosts discuss the emotional weight of debt and how it can cause stress, anxiety, and even relationship problems.

Example from the episode: “The stress of carrying debt is something most people don’t talk about. It’s not just about paying bills, it’s about how debt keeps you up at night, worrying about the future.”

Key Takeaway: Listeners are encouraged to address their debt head-on, create a debt repayment strategy, and avoid taking on new debt unless absolutely necessary. Reducing debt can greatly improve both financial security and mental health.

4. Investing Early and Wisely

One of the key financial strategies highlighted in the episode is the importance of starting to invest early in life. The hosts explain how even small investments can grow substantially over time thanks to compound interest, providing long-term benefits that can far outweigh short-term sacrifices.

Example from the episode: “You might think that $50 a month isn’t enough to make a difference, but over time, with compound interest, that $50 could turn into tens of thousands of dollars by the time you retire.”

Key Takeaway: The earlier you start investing, the more time your money has to grow. The hosts encourage listeners to begin investing as soon as possible, even if they can only contribute small amounts at first.

5. The Power of Community and Financial Support

Towards the end of the episode, the hosts discuss how having a strong community can help individuals navigate financial challenges. Whether it’s through shared advice, pooling resources, or simply moral support, community can play a big role in helping people manage tough times.

Example from the episode: “We’ve seen time and time again that people who have a strong support network—whether it’s friends, family, or community organizations—are better able to weather financial storms.”

Key Takeaway: Don’t underestimate the power of community when it comes to finances. Whether it’s sharing resources or just getting advice from someone who’s been in your shoes, your community can be a valuable financial asset.

Conclusion

From understanding the nuances of financial literacy to investing wisely and managing debt, the hosts offer invaluable insights that can help listeners achieve a more secure financial future. Perhaps most importantly, the episode reminds us that financial success is not just about numbers—it’s about building a healthy, sustainable relationship with money that supports your well-being and long-term goals.

Make sure you listen to the full episode to get all the detailed advice and examples that will help you make smarter financial decisions moving forward!

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

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1. Not Having a Will

The most basic and perhaps most critical mistake is failing to have a will at all. Without a will, the state will determine how your assets are distributed, which may not align with your wishes. Having a will allows you to specify exactly who should inherit your property and who will be responsible for managing your estate. It’s the foundation of any good estate plan, so don’t skip this essential document.

2. Failing to Update Your Will

Even if you’ve created a will, life events such as marriage, divorce, the birth of children, or the death of a beneficiary should prompt you to update it. A will that’s outdated and doesn’t reflect your current family or financial situation can lead to confusion, disputes, and even legal challenges after your passing. Regularly reviewing and updating your will ensures that your estate plan remains accurate.

3. Not Naming Beneficiaries on Accounts

Another common mistake is failing to designate beneficiaries for important accounts like life insurance, retirement accounts, and payable-on-death accounts. If no beneficiaries are named, these accounts could go through the probate process, delaying distribution to your heirs. Ensuring that all your accounts have up-to-date beneficiaries can streamline the transfer of assets and avoid unnecessary legal hurdles.

4. Ignoring Tax Implications

Estate taxes can significantly reduce the amount your heirs receive if not planned for properly. Without strategic tax planning, your estate may owe a large tax bill, reducing the inheritance left to your loved ones. Consulting with an estate planning expert can help you minimize tax liabilities and preserve more of your estate for your heirs.

5. Not Planning for Disability or Incapacity

Estate planning isn’t just about what happens after you die—it’s also about what happens if you become incapacitated. Failing to plan for the possibility of disability can leave your family in a difficult position, potentially requiring a court-appointed guardian to make financial and medical decisions on your behalf. Setting up documents such as a durable power of attorney or a healthcare directive ensures that trusted individuals can manage your affairs if you’re unable to do so.

6. Leaving Assets Directly to Minors

Many people make the mistake of leaving assets directly to minors without putting proper safeguards in place. Minors cannot legally manage assets until they reach adulthood, so a guardian may need to be appointed by the court to manage these assets. A better option is to create a trust that will hold and manage assets for the benefit of your minor children until they are old enough to handle them responsibly.

7. Forgetting About Digital Assets

In today’s digital world, it’s easy to overlook your digital assets when estate planning. These can include passwords, online banking accounts, digital photos, and other valuable electronic information. Without a clear plan for how to manage and transfer these digital assets, your loved ones may struggle to access important accounts or files. Make sure to include instructions for your digital assets in your estate plan to avoid complications.

8. Failing to Name Guardians for Minor Children

If you have minor children, naming a guardian is one of the most important decisions you can make in your estate plan. If no guardian is named, the court will decide who will care for your children, and this person may not be someone you would have chosen. By designating a trusted guardian in your will, you can ensure that your children are cared for by someone you know and trust.

9. Overlooking Trusts

Trusts are an effective tool for managing your estate, avoiding probate, and reducing estate taxes. However, many people don’t consider setting up a trust as part of their estate planning. Depending on your situation, a trust can offer flexibility in how your assets are distributed, provide privacy, and even protect your estate from creditors. Working with an estate planning attorney can help you determine if a trust is right for you.

10. Not Communicating Your Wishes

One of the biggest mistakes people make in estate planning is not communicating their wishes to their family and loved ones. Even with a solid estate plan in place, misunderstandings can arise if your intentions are not clearly expressed. Having open conversations with your heirs and family members about your estate plan can prevent disputes and ensure that your wishes are honored.

Conclusion

Estate planning is more than just writing a will—it involves thoughtful decisions and legal steps to ensure your wishes are carried out and your loved ones are provided for. By avoiding these 10 common estate planning mistakes, you can help prevent legal complications, financial losses, and family disputes. Working with an estate planning attorney can provide the expertise and guidance you need to make sure your estate is in good order, protecting both your assets and your loved ones.

Don’t wait until it’s too late—start your estate planning today to ensure peace of mind for you and your family.

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1. Protecting Your Children’s Inheritance

One of the primary reasons to establish a trust when you have children is to protect their inheritance. A trust allows you to specify how your assets will be distributed to your children and when. By creating a trust, you can ensure that your children receive their inheritance in a manner that aligns with your values and best interests. For example, you can set up provisions that delay the distribution of assets until your children reach a certain age or achieve specific milestones, such as completing their education or starting a business. This helps prevent a sudden windfall that could be mismanaged or lead to irresponsible financial decisions.

2. Ensuring Proper Management of Assets

When you have minor children, it’s essential to plan for the management of their assets until they reach the age of maturity. By establishing a trust, you can appoint a trustee who will be responsible for managing and distributing the assets on behalf of your children. The trustee can be a trusted family member, friend, or a professional entity such as a financial institution. This arrangement ensures that your children’s assets are handled responsibly and in accordance with your wishes, providing long-term financial security and stability.

3. Protecting Assets from Creditors and Legal Issues

Life is unpredictable, and unforeseen circumstances can sometimes arise. By creating a trust, you can protect your children’s inheritance from potential creditors or legal issues. Assets held in a trust are generally shielded from individual liabilities and may be more difficult for creditors to access compared to assets held individually. This protection can be particularly crucial if your children face financial challenges, such as bankruptcy, divorce, or lawsuits in the future. Through a trust, you can provide a safety net that shields their inherited assets and ensures their financial well-being remains intact.

4. Special Considerations for Special Needs

If you have a child with special needs, a trust becomes even more vital. Government assistance programs and benefits for individuals with disabilities often have strict income and asset limits. By establishing a trust, commonly known as a special needs trust or supplemental needs trust, you can ensure that your child’s eligibility for these essential programs is not compromised. A properly drafted trust can provide for their supplemental needs while preserving their eligibility for public assistance programs, thus offering them a comprehensive and secure support system.

5. Maintaining Privacy and Avoiding Probate

Unlike a will, which becomes part of the public record during the probate process, a trust allows you to maintain privacy regarding your family’s financial affairs. Establishing a trust ensures that your assets are distributed privately and efficiently, without the need for court intervention. This not only protects your family’s privacy but can also save time, expenses, and potential disputes that may arise during probate proceedings.

Creating a trust when you have children is a prudent and responsible step towards securing their financial future. From protecting their inheritance to ensuring proper asset management and shielding assets from potential creditors, a trust offers invaluable benefits. It also provides special provisions for children with special needs and helps maintain privacy while avoiding probate complications. Consult with a qualified estate planning attorney to understand your options and develop a trust that aligns with your family’s unique circumstances.

Intended for educational purposes only. Opinions expressed are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Consult your financial professional before making any investment decisions. Opinions expressed are subject to change without notice.

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