You should always consult with your financial, tax, or legal professional before making any financial decisions. This material is intended for education purposes only and does not materially constitute a solicitation for the purchase or sale of any securities.

Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance and future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost.