The material in this program has been prepared for informational purposes only and does not constitute an offer, or a solicitation of an offer, to purchase any securities. The material in this program does not constitute a recommendation of any particular security, investment strategy or financial instrument and should not be construed as such or used as the basis for any investment decision. The material in this program is not intended as a complete analysis of every material fact regarding any country, industry, security, or strategy. The material in this program reflects analysis and opinions rendered as of the date of this publication and such views may change without notice. None of the author, Advus Financial Partners, LLC (“Advus”) or any of its representatives has made any representation to any person regarding the forward-looking statements and none intends to update or otherwise revise the forward-looking statements to reflect circumstances existing after the date when made or to reflect the occurrence of future events, even in the event that any or all of the assumptions underlying the forward-looking statements are later shown to be in error.
Forecasts, estimates and certain information contained herein are based upon proprietary research and other sources believed by the author to be reliable. No representation or warranty is made as to the completeness or accuracy of this information. Data from third-party sources has been used in the preparation of this material. Advus has not independently verified, validated or audited data from third-party sources. Advus, it’s officers, directors and employees accept no liability whatsoever for any loss arising from use of this information. Reliance upon the comments, opinions, and analyses in the material is at the sole discretion of the user.
Any projections or analyses provided to assist the recipient of the material in this program in evaluating the matters described herein may be based on subjective estimates, assessments and assumptions (collectively, “Assumptions”). These Assumptions are inherently uncertain and are subject to numerous businesses, industry, market, regulatory, geo-political, competitive, and financial risks. There can be no assurance that the Assumptions made in connection with the forward-looking statements will prove accurate, and actual results may differ materially. The inclusion of forward-looking statements herein should not be regarded as an indication that the author or Advus considers the forward-looking statements to be a reliable prediction of future events. Accordingly, any projections or analyses should not be viewed as factual and should not be relied upon as an accurate prediction of future results. Simply, nothing in this program should be considered a guarantee of future results.
All investments involve risks, including possible loss of principal. US Treasury securities, if held to maturity, offer a fixed rate of return and a fixed principal value. Bond prices generally move in the opposite direction of interest rates, thus as the prices of bonds adjust to a rise in interest rates the share price may decline. Higher yielding bonds generally reflect the higher credit risk associated with these lower rated securities and, in some cases, the lower market prices for these instruments. Interest rate movements may affect the share price and yield. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies’ industries, sectors, or general market conditions. Investments in foreign securities contain special risks including currency fluctuations, economic instability, and political developments. Investments in emerging market country securities involve heightened risks related to the same foreign securities’ risk factors. These include, but are not limited, to the emerging markets’: smaller size, lesser liquidity, and lack of political, business, and social frameworks to support the securities markets. Such investments could experience significant price volatility in any given year.
Indexes may be referenced throughout the material in this program. Indexes are unmanaged and one cannot directly invest in an index. Index returns do not include fees expenses or sales charges.
No part of the material in this program may be reproduced in any form, or referred to in any other publication, without express written permission of Advus. Redistribution of the material in this program without prior written consent is expressly prohibited. The material in this program is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is contrary to law, rule or regulation.
The material in this program is not intended to provide, and should not be relied upon for, tax, legal, regulatory, financial, accounting or investment advice. Any statements of tax consequences were not intended to be used and cannot be used to avoid penalties under applicable tax laws or to promote, market or recommend to another party any tax related matters addressed herein.