* Your financial professional will receive compensation for the sale of insurance products to you and, therefore, a conflict of interest exists since they have a financial incentive to recommend insurance products based on the receipt of such compensation.

* The tax and legal information contained in this presentation is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

* The likelihood of various investment outcomes is hypothetical. These possible outcomes do not represent actual investment results. Past performance is no guarantee of future success. There is no guarantee or assurance that the projected or simulated results will be achieved or sustained. Actual results may be better or worse than the simulated scenarios.

* All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will either be suitable or profitable for a client’s portfolio. Historical performance results for investment indices and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment advisory fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that the portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses.