The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested in directly. All investing involves risk including loss of principal. No strategy assures success or protects against loss. This information is not intended to be suitable for individualized legal or tax advice. Please consult your legal or tax advisor regarding your specific situation. Securities and advisory services are offered through WealthFolio Advisors LLC, a registered investment advisor.