Information on this website is for illustration purposes only.  No guarantees can be made about future performance, and no illustrations or information on this website are intended to be a warrant, assurance or guarantee of results you might expect.  Financial planning requires the use of a variety of assumptions with linear projections.  Analysis results and recommendations are based on how things are at a specific point in time.  There are so many variables, which makes it essential to update your plan and receive advice at least once a year or when major changes occur in your life.

Investments described on this website may include both actively managed accounts and passive strategies.  The actual weightings and characteristics of investments described can and will vary.  The value of an investment will fluctuate due to economic, political, market and stock specific events and factors.  All aspects of risk and potential loss should be considered before making any investment.  Small company stocks typically fluctuate more in price than large company stocks do.

Non-U.S. stocks and bonds may fluctuate due to country and currency risks, which can work in your favor or against you. The unstable nature of some governments adds additional risk to stocks and bonds issued by companies in other countries.  Those investments may be less liquid than U.S. investments.

An index is not available for direct investment, so its performance does not reflect expenses associated with an actual portfolio.  The use of additional asset classes are intended to reduce risk, but that objective might not be achieved.

Please read prospectuses thoroughly before you invest.

This website mentions tax and legal issues, but it is not designed to offer any tax or legal advice.  Any action taken on your part should always be reviewed by your legal and tax advisors before proceeding.