Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability. This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. Investors should carefully consider the investment objectives, risks, fees, and expenses before investing. Any financial services firms referenced in this material do not provide tax or legal advice. Please consult with your tax or legal professional regarding specific issues prior to making a tax or legal decision.
The products that compose the Specialty Solutions have risks and expenses unique to their specific offerings. Variable annuities invest in subaccounts containing securities and as such are subject to market risk and loss of principal. All guarantees of an annuity are backed by the claims-paying ability of the issuing insurer. Due to their non-registered status, private placements pose liquidity risk due to the restrictions on their sale and may become completely illiquid. 1031 Exchanges are subject to specific tax code and strict timing limitations, as such if transactions are not executed accordingly loss of associated tax benefits and/or added tax consequences may apply. Alternative investments and private offerings involve a high degree of risk, can be highly speculative, and may result in the loss of principal invested and are not suitable for all investors. Investors should carefully consider the investment objectives, risks, fees, and expenses before investing. Please review the product offering materials and disclosure documents relative to each potential investment carefully before investing.
The Investment Team is not necessarily involved with the research, due diligence, and portfolio management functions related to all investment products or solutions used for each client. Monte Carlo Analysis is a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. The Monte Carlo simulation uses at most 500 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between. The outcomes presented using the Monte Carlo simulation represent only a few of the many possible outcomes. Since past performance and market conditions may not be repeated in the future, your investment goals may not be fulfilled by following advice that is based on the projections.
Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.