Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.

Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. Zoe Financial is not affiliated with, nor endorsed or sponsored by, United Capital Financial Advisors.

The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.

Zoe Financial is independent and not affiliated with United Capital. Comments made by United Capital are their own and do not reflect those of Zoe Financial. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.

Opinions of Zoe Financial included in this material constitute the Firm’s judgment as of the date of this material and are subject to change without notice.

The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.

Advisory services offered by United Capital Financial Advisors, LLC (“United Capital”), a registered investment adviser. How we are compensated by you may change over time and will depend on various factors. Please ask questions and refer to United Capital’s publicly available Form ADV where applicable.

United Capital makes recommendations based on the specific needs and circumstances of each client. Clients should carefully consider their own investment objectives and never rely on any single chart, graph, or marketing piece to make decisions. Investing involves risk, and investments may lose value. There are no investment strategies that guarantee a profit or protect against loss. Any investment advisory services are provided pursuant to the terms of your agreement with United Capital or an affiliate or a third-party investment adviser, as applicable.

United Capital does not provide legal, tax, or accounting advice. Clients should obtain their own independent legal, tax, or accounting advice based on their particular circumstances.

The information contained herein is intended for informational purposes only, is not a recommendation to buy or sell any securities and should not be considered investment advice. The material is based upon information which we consider reliable, but we do not represent that such information is accurate or complete, and it should not be relied upon as such. The information, data, analyses, and opinions contained herein include confidential and proprietary portfolio information of United Capital, may not be copied or redistributed for noncommercial or personal purpose without United Capital’s expressed permission.

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