Rates of return are estimated based on historical performance and will vary over time, particularly for long-term performance. The calculated results are based on various assumptions that may never come to pass. They do not necessarily represent the past or future results of any particular client. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including those recommended by Emotomy), or product made reference to directly or indirectly, will be profitable or equal to past performance levels. There are no guarantees that they will outperform any particular benchmark. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy and results of any portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. The tax and estate planning information contained herein is general in nature. It is provided for informational purposes only, and should not be construed as legal, estate planning or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Life expectancy data from the U.S. Census Bureau, 2012. Distributions resulting in a legacy amount are estimates to be used as a guide that do not take inflation into account.