ABOUT US

Rodger Deevers
Series 6, 63, 65, and 26
Investment Adviser Representative

Office: 541.206.8706

Deevers & Sons. We have been in Eugene, Oregon for over 30 years. Since inception we have focused on Growing Wealth Over Time for clients. Our father, who founded Deevers & Sons was committed to creating a legacy for his family and chose to dedicate his life to helping clients.

My brother Gary and I were fortunate to join our father in the Deevers & Sons business. There are many good things that run deep in the Deevers family like humor, honor, loyalty, but nothing quite as deep as service. Being of service to others is as much a part of life as breathing, eating, sleeping and Oregon Duck football. After my father served in the US Navy, he built a business serving his community and beloved clients.

After my honorable discharge from the Air Force, I became securities licensed and was fortunate enough to work side-by-side with him until his death in 2008, when my brother, and I picked up the mantle and took on the challenge of carrying forward a legacy of service. I have a wonderful wife, Lisa, and three children, Mack, Joshua, and Noah. Both Joshua and Noah are Autistic and much of my time away from my work responsibilities is spent on Board of Directors duties of Joshua’s independent living company, or volunteering and coaching Special Olympics activities with my son Noah.

For additional information about an investment adviser representative, including licenses and state registrations, please visit www.BrokerCheck.com.

How do we help our clients grow wealth over time?

We plan with purpose. We believe your strategy should be determined by your goals. Our process is focused on getting to the heart of your objectives first, so that we can offer a financial strategy that aligns with- and supports- your vision.

Phase 1: Relationship Building

Relationships are everything at Deevers & Sons. Our commitment is to get to know you and understand your goals and circumstances, so that we can make comprehensive financial recommendations.

Phase 2: Information & Data Gathering

After getting to know you, our focus turns to your current financial circumstances. With your assistance, we will endeavor to create a complete picture of your finances.

Phase 3: Analyze & Evaluate

Once we understand where you want to be in the future and have an understanding of what your financial situation looks like today, we will develop a plan to guide you toward your financial future.

Phase 4: Presentation of Your Plan

In this phase, we will present you with the recommendations and scenarios we have identified for you. We will also educate you on the benefits and drawbacks of each. We believe an informed investor is an empowered investor.

Phase 5: Implementation of Your Plan

This is “go” time when we work together to put your plan into action. We will keep you informed and updated on progress.

Phase 6: Staying on Track Plan

Circumstances can and will change for clients. If you think it might be time to make changes, we can revisit your objectives to help keep you on track.

Our Approach to Investment Selection

Focused on Your Lifecycle Needs

At Deevers & Sons, we work with you to determine the method of investing most appropriate to meet your goals based on your unique circumstances and personal objectives. We have the tools to assist you throughout each stage of your “investing lifecycle.”

At Deevers & Sons, we choose from carefully selected solutions to help you meet the needs of your investment plan as you move through the investing lifecycle.

By working with your advisor, you will be able to identify the investment options that most align with your personal goals, time horizon, risk tolerance, and investing preferences. You can always adjust your investment plan and to accommodate changing needs.

Professional Asset Management

At Deevers & Sons, we offer professionally managed investment strategies through managed accounts. Primerica Advisors has chosen asset managers based on their demonstrated ability to develop and manage investments that can assist clients in meeting their accumulation, preservation, and distribution goals.

Primerica identifies professional asset managers based on:

Organizational structure and credentials of the people focused on managing the assets
Manager’s defined philosophy and process
Manager’s ability to deliver repeatable, consistent performance

Asset Allocation and
Investment Model Offerings

At Deevers & Sons, we believe a well-designed and executed asset allocation is a key component to helping you achieve your long-term goals.

Asset Allocation can be beneficial in achieving the appropriate balance or risk and return. It is important to ensure that your assets are spread across different asset classes, sectors, and different market themes.

Your advisor will work with you to determine which investment options are appropriate to be part of your asset allocation. Your allocation may differ depending your need for growth, income generation, preservation, or income distribution

Simplicity

At Deevers & Sons, we believe that simplicity and ease of review of assets is important in helping you track your progress.

We make it simple for you to monitor, manage and make changes to your account when necessary.

Performance reports provide clear and
concise information about your investments. These reports give you and your Primerica advisor the opportunity to review your account holdings and determine whether your investments continue to reflect your needs.

Certain Investments Adviser Representatives with Primerica Advisors may offer financial planning services through Advicent’s Naviplan. Any information provided by Advicent’s Naviplan is for informational and illustrative purposes only, and in no way should be construed as a specific product recommendation or endorsement by Primerica, Inc. or any of its affiliates or subsidiaries, including PFS Investments Inc. Advicent and Primerica are not affiliated companies.

Commitment to Service and Adding Value

Gary Deevers
Series 6, 63, 65, and 26
Investment Adviser Representative

Office: 541-632-0111

I can remember when I began helping my father around the office back in 1992 while I was still in high school. The more I was able to be around him in this business his passion for people became more evident, Since his passing it has been my pleasure to lead our service initiative for clients.

We pride ourselves on providing exemplary customer service and are committed to being available to assist you whenever the need arises.

When you work with Deevers & Sons, you can be assured of having a relationship that is providing you value. We commit to:

Helping you simplify the complexities of retirement planning.
Offering a holistic approach during your investment lifecycle.
Helping you articulate and, define your financial goals.
Earning your trust through transparency and straightforward communication.
Offering a variety of investment services including financial planning and, retirement income planning with strategies that align with your preferences (such as risk management) and your values ( with ESG and SRI strategies).

For additional information about an investment adviser representative, including licenses and state registrations, please visit www.BrokerCheck.com.

BEST IN CLASS INVESTMENT SOLUTIONS OFFERED THROUGH PFS INVESTMENTS INC.

Mutual Funds

American Century Investments
American Funds
Fidelity Advisors
Franklin Templeton Investments
Invesco
MFS
Putnam Investments

Annuities

AIG
Brighthouse Financial
Equitable
Lincoln Financial

529 Plans

American Funds
Fidelity Investments
Franklin Templeton Investments
Scholar’s Choice

401(k) Plans

Aspire
Equitable
American Funds
CUNA Mutual
Fidelity Advisors
Voya
July Services Managed Account 401k and Solok
July Services Cash Balance Plans

Managed Accounts: Primerica Advisors Lifetime Investment Platform

Focused on Client’s Lifecycle Needs: The Primerica Advisors Lifetime Investment Platform is designed to enable advisors to assist their clients in achieving goals throughout the client’s investable lifecycle. Advisors can assist clients through the accumulation, preservation and income distribution phases of their lives.

Access to Professional Asset Managers: The platform provides access to professional asset managers who have well-established track records in asset allocation and security selection, including exchange traded funds, mutual funds and individual stocks and bonds. Each asset manager was selected based on their people, philosophy, process and performance.

Equity Offerings

Fixed Income Offerings

Tax Managed Offerings

LIFETIME INVESTMENT PLATFORM

EQUITY OFFERINGS AND ASSET ALLOCATION MODELS

Asset Managers	Founded / AUM Location	Asset Allocation	Investment Management Philosophy	Investment Vehicle	Models Available
	1957 / $29.9b (’19) Toronto, Canada	Strategic	The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow.	Stocks	Global Select U.S. Large Cap Growth Equity U.S. Small-Mid Cap Growth Equity
	1980 / $7b Waukesha, WI	Strategic	Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside.	Stocks MF	Catholic ESG Equity Social ESG Equity All Cap Equity ESG Asset Allocation Models
	1947 / $1.4T San Mateo, CA	Strategic	Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges. ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies.	Franklin Templeton Investment Solutions: ETF MF ClearBridge: Stocks	Franklin Templeton Investment Solutions: Strategic Real Return ClearBridge: Multi Cap Growth, Divided Income
	1995 / $5.4b Charlotte, NC	Tactical	Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis.	ETF	Active Risk Assist Real Spend
	1935 / $1.2T Atlanta, GA	Strategic	Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment.	ETF	Strategic Balanced Smart Beta US Equity Smart Beta Global Equity
	1995 / $8b Philadelphia, PA	Strategic	Lockwood is a global macromanager providing long-term strategic asset allocation and downside risk management.	ETF/MF	100% Equity 80% / 60%/ 40%/ 20% Equity Models
	1974 / $25b Columbus, OH	Tactical	Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection.	MF	80% / 60% / 40% / 20% Equity Models
	2001 / $11.1b Chicago, IL	Strategic	Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio.	MF	100% / 80% / 40% / 20% Equity Models Retirement Income Models
	1968 / $4.8b Los Angeles, CA	Strategic	RNC Genter manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark.	Stocks	Dividend Income Equity
	1996 / $14.6b Austin, TX	Tactical	Sage is a global macromanager providing fundamental, relative evaluation and technical analysis.	ETF	ESG Global Equity 100% / 80% / 40% / 20% Equity Models Multi Asset Income

Founded / AUM Location

1957 / $29.9b (’19)
Toronto, Canada

Asset Allocation

Strategic

Investment Management Philosophy

The AGF team’s objective is to capture leading growth companies in every investment cycle. Every stock the team holds is a buy each day, or it is sold. AGF uses an opportunistic bottom-up approach with the front-end quantitative screens to identify high-quality, growth companies that can successfully generate sustainable, above-average revenues, earnings and cash flow.

Investment Vehicle

Stocks

Models Available

Global Select
U.S. Large Cap Growth Equity
U.S. Small-Mid Cap Growth Equity

Founded / AUM Location

1980 / $7b
Waukesha, WI

Asset Allocation

Strategic

Investment Management Philosophy

Dana Investments Advisors are a domestic manager focusing on bottom up fundamental and quantitative analysis and emphasizing relative valuation and downside.

Investment Vehicle

Stocks, MF

Models Available

Catholic ESG Equity
Social ESG Equity
All Cap Equity
ESG Asset Allocation Models

Founded / AUM Location

1947 / $1.4T
San Mateo, CA

Asset Allocation

Strategic

Investment Management Philosophy

Franklin Templeton Investment Solutions delivers disciplined and systematic solutions that address clients’ complex investment challenges.
ClearBridge Investments is committed to long-term results through active management. Their investment process provides clients with equity-focused strategies.

Investment Vehicle

Franklin Templeton Investment Solutions:
ETF MF
ClearBridge: Stocks

Models Available

Franklin Templeton Investment Solutions: Strategic Real Return
ClearBridge: Multi Cap Growth, Divided Income

Founded / AUM Location

1995 / $5.4b
Charlotte, NC

Asset Allocation

Tactical

Investment Management Philosophy

Horizon Investments is a global manager with focus on economic, fundamental and quantitative analysis.

Investment Vehicle

ETF

Models Available

Active
Risk Assist
Real Spend

Founded / AUM Location

1935 / $1.2T
Atlanta, GA

Asset Allocation

Strategic

Investment Management Philosophy

Invesco focuses on long-term strategic asset allocation, diversification and risk adjustment.

Investment Vehicle

ETF

Models Available

Strategic Balanced
Smart Beta US Equity
Smart Beta Global Equity

Founded / AUM Location

1995 / $8b
Philadelphia, PA

Asset Allocation

Strategic

Investment Management Philosophy

Lockwood is a global macromanager providing long-term strategic asset allocation and downside risk management.

Investment Vehicle

ETF/MF

Models Available

100% Equity
80% / 60%/ 40%/ 20% Equity Models

Founded / AUM Location

1974 / $25b
Columbus, OH

Asset Allocation

Tactical

Investment Management Philosophy

Meeder manages tactical strategies using a systematic, multi-disciplined and multi-factored approach to make data-driven allocation changes that focus on downside protection.

Investment Vehicle

MF

Models Available

80% / 60% / 40% / 20%
Equity Models

Founded / AUM Location

2001 / $11.1b
Chicago, IL

Asset Allocation

Strategic

Investment Management Philosophy

Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio.

Investment Vehicle

MF

Models Available

100% / 80% / 40% / 20% Equity Models
Retirement Income Models

Founded / AUM Location

1968 / $4.8b
Los Angeles, CA

Asset Allocation

Strategic

Investment Management Philosophy

RNC Genter manages with a bottom-up, value driven process focusing on qualified dividends. They seek to reduce volatility and downside risk relative to benchmark.

Investment Vehicle

Stocks

Models Available

Dividend Income Equity

Founded / AUM Location

1996 / $14.6b
Austin, TX

Asset Allocation

Tactical

Investment Management Philosophy

Sage is a global macromanager providing fundamental, relative evaluation and technical analysis.

Investment Vehicle

ETF

Models Available

ESG Global Equity
100% / 80% / 40% / 20% Equity Models
Multi Asset Income

TAXABLE FIXED INCOME OFFERINGS

Asset Managers	Founded / AUM Location	Asset Allocation	Investment Management Philosophy	Investment Vehicle	Models Available
	1947 / $1.4T San Mateo, CA	Strategic	Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.	Bonds	GSM7
	1935 / $1.2T Atlanta, GA	Strategic	This strategy seeks to deliver an attractive yield by offering access to a diversified set of fixed income classes through a strategic allocation to core yield exchange traded funds. Smart Beta ETFs are one type of investment exposure used to deliver factor exposure.	ETF	Smart Beta Income
	1968 / $4.8b Los Angeles, CA	Strategic	RNC Genter’s TQI strategy is focused on providing high quality government and corporate bonds. RNC uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, RNC’s team selects individually strong credits with an advantageous balance of risk and reward.	Bonds	Taxable Quality Intermediate
	1996 / $14.6b Austin, TX	Tactical	Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives.	ETF	ESG Core Plus Fixed Income Core Plus Fixed Multi Asset Income

Founded / AUM Location

1947 / $1.4T
San Mateo, CA

Asset Allocation

Strategic

Investment Management Philosophy

Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.

Investment Vehicle

Bonds

Models Available

GSM7

Founded / AUM Location

1935 / $1.2T
Atlanta, GA

Asset Allocation

Strategic

Investment Management Philosophy

This strategy seeks to deliver an attractive yield by offering access to a diversified set of fixed income classes through a strategic allocation to core yield exchange traded funds. Smart Beta ETFs are one type of investment exposure used to deliver factor exposure.

Investment Vehicle

ETF

Models Available

Smart Beta Income

Founded / AUM Location

1968 / $4.8b
Los Angeles, CA

Asset Allocation

Strategic

Investment Management Philosophy

RNC Genter’s TQI strategy is focused on providing high quality government and corporate bonds. RNC uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, RNC’s team selects individually strong credits with an advantageous balance of risk and reward.

Investment Vehicle

Bonds

Models Available

Taxable Quality Intermediate

Founded / AUM Location

1996 / $14.6b
Austin, TX

Asset Allocation

Tactical

Investment Management Philosophy

Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our liability-focused clients efficiently accomplish their unique goals and objectives.

Investment Vehicle

ETF

Models Available

ESG Core Plus Fixed Income
Core Plus Fixed
Multi Asset Income

TAX MANAGED OFFERINGS

The below descriptions are the types of Tax-Managed Offerings Available. These offerings are available for Non-Qualified Account Registrations.

Tax-Exempt	These strategies are focused on generating tax-exempt income through direct ownership of municipal bonds, or through ownership of Exchanged Traded Funds that hold municipal bonds.
Tax Aware	These strategies invest in mutual funds that seek to reduce capital gains tax exposure by limiting turnover of equity securities and reduce income taxes through municipal bond holdings.
Tax Loss Harvesting	Managers will actively monitor gains and losses associated with individual stocks and will harvest losses (sell) to offset gains and limit capital gains taxes.

Asset Managers	Founded / AUM Location	Asset Allocation	Investment Management Philosophy	Investment Vehicle	Models Available
	1980 / $7b Waukesha, WI	Tax Exempt / Strategic	This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility.	ETF	Tax Exempt Municipal Bond ETF
	1947 / $1.4T San Mateo, CA	Tax Exempt / Strategic	Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.	Bonds	Municipal Bond Ladders (CA and NY Specific Ladders Available)
	1995 / $8b Philadelphia, PA	Tax Aware / Strategic	Each portfolio is constructed according to the macroeconomic outlook of Lockwood. This strategy seeks to generate risk-adjusted returns over a full market cycle. In order to achieve this, the strategy invests in diversified assets (via mutual funds and/or ETFs).	ETF/MF	Tax Aware Asset Allocation Models
	1974 / $25b Columbus, OH	Tax Loss Harvesting	Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency.	MF	Tax Managed Asset Allocation Models
	2001 / $11.1b Chicago, IL	Tax Aware / Strategic	Morningstar focuses on valuation-driven asset allocation with a contrarian mindset, independent investment selection and holistic portfolio.	MF	Tax Sensitive Asset Allocation Models
	1968 / $4.8b Los Angeles, CA	Tax Exempt / Strategic	RNC Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. RNC uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, RNC’s team selects individually strong credits with an advantageous balance of risk and reward.	Bonds	Municipal Bond Ladders (CA and NY Specific Ladders Available)
	1996 / $14.6b Austin, TX	Tax Aware / Tactical	Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives.	ETF	Tax Aware Multi Asset Income

Founded / AUM Location

1980 / $7b
Waukesha, WI

Asset Allocation

Tax Exempt / Strategic

Investment Management Philosophy

This strategy seeks to deliver attractive tax-free income with a focus on managing both quality and duration risk. The team believes a well-diversified portfolio should contain high quality, tax-efficient, fixed income investments. This Municipal Bond ETF strategy is designed to deliver attractive after-tax yield while limiting portfolio volatility.

Investment Vehicle

ETF

Models Available

Tax Exempt Municipal Bond ETF

Founded / AUM Location

1947 / $1.4T
San Mateo, CA

Asset Allocation

Tax Exempt / Strategic

Investment Management Philosophy

Western Asset Management focuses on long-term fundamental value investing that employs a top-down, bottom-up approach. Each of its products are supported by robust risk management and intensive proprietary research.

Investment Vehicle

Bonds

Models Available

Municipal Bond Ladders
(CA and NY Specific Ladders Available)

Founded / AUM Location

1995 / $8b
Philadelphia, PA

Asset Allocation

Tax Aware / Strategic

Investment Management Philosophy

Each portfolio is constructed according to the macroeconomic outlook of Lockwood. This strategy seeks to generate risk-adjusted returns over a full market cycle. In order to achieve this, the strategy invests in diversified assets (via mutual funds and/or ETFs).

Investment Vehicle

MF / ETF

Models Available

Tax Aware Asset Allocation Models

Founded / AUM Location

1974 / $25b
Columbus, OH

Asset Allocation

Tax Loss Harvesting

Investment Management Philosophy

Meeder Tax Managed Strategy is a customized managed account for each client’s personal goals with a focus on risk management, investment selection, and tax efficiency.

Investment Vehicle

Stocks / Bonds

Models Available

Tax Managed Asset Allocation Models

Founded / AUM Location

2001 / $11.1b
Chicago, IL

Asset Allocation

Tax Aware / Strategic

Investment Management Philosophy

This portfolio seeks long-term capital appreciation through investments in domestic and foreign equities, and allocations to intermediate and corporate bonds. The portfolio will experience some level of volatility, but its fixed-income positions should provide it with a cushion in tough stock-market environments. This portfolio is designed for clients with at least a 10-15 year time horizon.

Investment Vehicle

MF

Models Available

Tax Sensitive Asset Allocation Models

Founded / AUM Location

1968 / $4.8b
Los Angeles, CA

Asset Allocation

Tax Exempt / Strategic

Investment Management Philosophy

RNC Genter’s Muni Bond Ladder is focused on providing high quality municipal bonds. RNC uses a set of criteria for maturity and credit parameters to identify bonds worthy of investment. Instead of forecasting interest rate changes, RNC’s team selects individually strong credits with an advantageous balance of risk and reward.

Investment Vehicle

Bonds

Models Available

Municipal Bond Ladders
(CA and NY Specific Ladders Available)

Founded / AUM Location

1996 / $14.6b
Austin, TX

Asset Allocation

Tax Aware / Tactical

Investment Management Philosophy

Sage’s fixed income solutions include both taxable and tax-exempt strategies that serve clients’ needs across the maturity spectrum. Sage also builds custom fixed income strategies designed to help our clients efficiently accomplish their unique goals and objectives.

Investment Vehicle

ETF

Models Available

Tax Aware Multi Asset Income

The individuals identified as Deevers & Sons are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.

A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.

PFS Investments Inc. (PFSI) offers both brokerage and advisory accounts. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available in brokerage and advisory accounts, including fees, expenses and the compensation received by PFSI and your representative, please review a copy of our Form CRS, Form ADV brochure and our informational brochure, Investing with Primerica, available from your representative and online at www.primerica.com/pfsidisclosures.

Securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI’s advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.

The Lifetime Investment Platform is an advisory program sponsored by Primerica Advisors. For additional information about Primerica Advisors, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.

Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing. Prospectuses are available from your Primerica representative.

Primerica representatives are not financial or estate planners, or tax advisors. For related advice, individuals should consult an appropriately licensed professional.

This material is for informational purposes only and should not be considered investment advice or a recommendation to buy, sell or hold a security.

Investing entails risk including loss of principal. Past performance is no guarantee of future results.