Important Disclosures: The information and opinions contained within are provided for your personal use and are for informational purposes only. Material presented herein are believed to be true at the time of printing and gathered from what we consider to be reliable sources, but is subject to change without notice. This information is not to be construed as an offer to sell or as a solicitation or offer to buy any securities, or to engage in any other transactions. Readers should be aware that the staff at Bullard, McLeod and Associates, Inc. may or may not have investments in any of the investment recommendations cited. Historical performance results for investment indices and/or categories have been provided for general comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your account holdings correspond directly to any comparative indices.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended and/or undertaken by Bullard McLeod & Associates, Inc.), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal to any corresponding indicated historical performance level(s), suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Bullard, McLeod & Associates, Inc. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Specific advice is given only within the context of our contractual agreements. The scope of the services to be provided depends upon the terms of the engagement. Bullard McLeod & Associates, Inc. is neither a law firm nor accounting firm, and no portion of the newsletter should be construed as legal or accounting advice.

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