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Neither the information nor any opinions expressed in these “insights” constitutes an offer by NV-WM to buy or sell any securities or financial instruments, or to provide any personalized investment advice or service. The services, securities and financial instruments described in these “insights” may not be suitable for you, and not all strategies are appropriate at all times. Opinions expressed are only our current opinions or our opinions on the posted date. The opinions expressed here do not involve the rendering of personalized investment advice, and are limited to the dissemination of general information on sectors, industries, markets, companies, products and services. Any security noted in the presentation is not, and should not be construed as a recommendation or rating for the reader to buy, sell, or hold the security. Such specific security examples are intended for illustrative purposes only.

Past performance is not a guarantee or a reliable indicator of future results. All investments contain risk and may lose value. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy or product made reference to directly or indirectly, will be profitable or equal past performance. Different types of investments involve varying degrees of risk, and there can be no assurances that any specific investment will either be suitable or profitable for a particular client’s investment portfolio. Investors should consult their investment professional prior to making any investment decision based on the information provided herein.

This material contains the opinions of NV-WM and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as personalized investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but cannot be guaranteed.