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The information contained herein is provided solely for informational and educational purposes, reflects only a summary of the topics covered, and should not be construed as the provision of personalized investment advice or the making of any investment recommendation. Rather, the contents simply reflect the opinions and views of the speakers which are subject to change without notice. There is no guarantee that the views and opinions expressed herein will come to pass. Listeners should conduct their own independent investigation into the topics covered and should consult their professional financial, legal, and tax advisors before taking action on any of the content contained in the podcast. Investing involves risk, including the potential loss of amounts invested. 19610 - 2020/1/6