Please remember that past performance may not be indicative of future results.  Any references made to third party articles or research are not endorsements and references to any third party names or content remains the property of the respective owners.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by adviser), or any non-investment related content, made reference to directly or indirectly in this article will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  All information is for illustrative purposes only and is not intended to serve as investment advice since the availability and effectiveness of any strategy are dependent upon your individual facts and circumstances.  Always consult with your independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this article serves as the receipt of, or as a substitute for, personalized investment advice from the adviser.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.  Adviser is neither a law firm nor a certified public accounting firm and no portion of the article content should be construed as legal or accounting advice.  A copy of the advser’s current written disclosure statement discussing our advisory services and fees is available for review upon request.