DISCLAIMER The material contained herein was compiled from sources believed to be reliable, and, while we have strived for accuracy, we do not guarantee that it is accurate or complete. The comments are for the general information of our clients and are not intended to be definitive advice for any specific situation nor a definitive interpretation of tax law. Professional advice should be sought with respect to individual circumstances before making investment decisions. The material contained on this Website is provided solely for informational and educational purposes and is not to be construed as an offer or solicitation for the sale of any securities. Although the material on this Website has been complied from sources believed to be reliable, we cannot guarantee its accuracy or completeness. All opinions expressed and data provided on this Website are subject to change without notice. The material on this Website is not intended to provide, and should not be construed as providing, individual investment, legal or tax advice. You should consult with your professional advisor(s) prior to acting on the basis of the material on this Website. In considering and particular investment, please remember that past performance is no guarantee of future performance. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. IPG (Independent Planning Group), is the mutual fund dealer overseeing MDK/Child Financial Advisors mutual fund activities only, and not responsible for any other business dealings outside of the mutual fund activities.