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Individual Financial Services, 3708 Columbus Avenue, 9, Sandusky, OH (2026)

04/27/2026

Stocks were mixed last week as investors gauged potential outcomes of the Middle East conflict amid an ongoing ceasefire.
The Standard & Poor’s 500 Index rose 0.55 percent, while the Nasdaq Composite Index advanced 1.50 percent. By contrast, the Dow Jones Industrial Average fell 0.44 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, declined 2.75 percent.1,2
Mixed Markets As Investors Look Ahead
Stocks began the week lower after tensions in the Middle East escalated over the weekend. They remained under pressure through Tuesday’s close as Wednesday’s expiration of the ceasefire loomed.3

Markets opened higher on Wednesday as investors cheered a ceasefire extension, while solid Q1 corporate earnings results boosted market momentum. Oil prices rose above $100/barrel, and all three major stock averages closed higher, with the S&P 500 and Nasdaq logging new all-time highs.4

The S&P and Nasdaq recovered from a slump in software stocks, while higher oil prices put stocks under pressure, logging fresh intraday highs along the way. Investors appeared increasingly desensitized to the Middle East conflict.5,6

Source: YCharts.com, April 25, 2026. Weekly performance is measured from Monday, April 20 to Friday, April 24. TR = total return for the index, which includes any dividends as well as any other cash distributions during the period. Treasury note yield is expressed in basis points.
Consumer Paradox
Fresh news on Friday showed consumer sentiment slipped to an all-time low in April. Consumers may be thinking about inflation, the job market, and geopolitical tensions.7
However, the paradox is that consumers keep spending. Last Tuesday’s retail sales report showed consumer spending rose 1.7 percent in March, the highest monthly rise in more than 3 years.8
This Week: Key Economic Data
Tuesday: S&P Case-Shiller Home Price Index. Consumer Confidence.
Wednesday: Durable Goods. Housing Starts (Feb+Mar)*. Building Permits (Feb+Mar)*. U.S. Trade Balance in Goods. Retail & Wholesale Inventories. FOMC Interest Rate Decision. Fed Chair Press Conference.
Thursday: GDP (Q1). Weekly Jobless Claims. Employment Cost Index. Personal Consumption Expenditures (PCE) Index. Leading Economic Indicators.
*indicates federal data release delayed by government shutdown
Source: Investors Business Daily - Econoday economic calendar; April 24, 2026. The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.
This Week: Companies Reporting Earnings
Monday: Verizon Communications Inc. (VZ), Cadence Design Systems, Inc. (CAD)
Tuesday: Visa Inc. (V), The Coca-Cola Company (KO), T-Mobile-US, Inc. (TMUS), Corning Incorporated (GLW), Booking Holdings Inc. (BKNG), Welltower Inc. (WELL), S&P Global Inc. (SPGI), Starbucks Corporation (SBUX), Spotify Technology (SPOT)
Wednesday: Alphabet Inc. (GOOG/GOOGL), Microsoft Corporation (MSFT), Amazon.com, Inc. (AMZN), Meta Platforms, Inc. (META), AbbVie, Inc. (ABBV), KLA Corporation (KLAC), Amphenol Corporation (APH), Qualcomm Incorporated (QCOM), Equinix, Inc. (EQIX)
Thursday: Apple Inc. (AAPL), Eli Lilly and Company (LLY), Mastercard Incorporated (MA), Caterpillar Inc. (CAT), Merck & CO., Inc. (MRK), Amgen Inc. (AMGN), ConocoPhillips (COP), Sandisk Corporation (SNDK), Western Digital Corporation (WDC), Stryker Corporation (SYK), Parker-Hannifin Corporation (PH), Bristol Myers Squibb Company (BMY), Altria Group, Inc. (MO), The Southern Company (SO)
Friday: Berkshire Hathaway, Inc. (BRK.A/BRK.B), Exxon Mobil Corporation (XOM), Chevron Corporation (CVX)
Source: Zacks, April 24, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

“Always it's spring and everyone's in love and flowers pick themselves.”
– E.E. Cummings

Reporting Cash Payments
Are you expecting a little extra cash from a sale? The IRS would like to know. Individuals, corporations, and partnerships engaged in a trade or business must report cash transactions of more than $10,000.
These cash payments can include jewelry sales, an overseas purchase, or any other cash transaction. You also need to report cash payments received in one lump sum, in two or more related payments within 24 hours, or as part of a single transaction or two or more transactions in the last year.
File Form 8300, titled Report of Cash Payments Over $10,000 Received in a Trade or Business. This form requires information about the benefactor and the recipient of the cash, a description of the transaction, and information about any other parties involved.
This information is not a substitute for individualized tax advice. Please consult with a qualified tax professional to discuss your specific tax issues.
Tip adapted from IRS.gov9

The Health Benefits Of A Meat-Free Day
The overwhelming health benefits of a plant-based diet are clear, but becoming entirely vegetarian or vegan is not for everyone. Luckily, one can still enjoy many health benefits by being “meat-free” for just one day per week. Here are some of the main benefits of this healthy lifestyle transition:
• You’ll be reducing your consumption of potentially dangerous processed meat – According to the World Health Organization, processed meats rank alongside ci******es as a major cause of cancer.
• You’ll decrease your risk of heart disease—Coronary heart disease is linked to a meat-based diet, and most cardiovascular diseases can be prevented by switching to a plant-based diet.
• You’ll be ingesting more vitamins, minerals, and fiber – On your meat-free days, you will likely prioritize other foods such as veggies, fruits, whole grains, and other plant-based products. This variety will help you round out your diet.
These are merely a few benefits of being meat-free for a day. Want more inspiration? Google “Meatless Monday” for recipe suggestions.
Tip adapted from MindFood.com10

I am astonishingly light, but even the strongest person in the world can only hold me for a few minutes. What am I?
Last Week's Riddle: What 8-letter name would be cute and logical for a house cat living below the Mason-Dixon line?
Answer: Southpaw.

Phoenicopterus Roseus (pink flamingo) Alar de Uyuni district, Bolivia
Salar de Uyuni, Salar de Uyuni, Bolivia
Footnotes And Sources
1. WSJ.com, April 17, 2026
2. Investing.com, April 24, 2026
3. CNBC.com, April 21, 2026
4. CNBC.com, April 22, 2026
5. CNBC.com, April 23, 2026
6. WSJ.com, April 24, 2026
7. CNBC.com, April 24, 2026
8. WSJ.com, April 21, 2026
9. IRS.gov, January 17, 2025
10. MindFood.com, November 17, 2025

Investing involves risks, and investment decisions should be based on your own goals, time horizon, and tolerance for risk. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost.
The forecasts or forward-looking statements are based on assumptions, may not materialize, and are subject to revision without notice.
The market indexes discussed are unmanaged, and generally, considered representative of their respective markets. Index performance is not indicative of the past performance of a particular investment. Indexes do not incur management fees, costs, and expenses. Individuals cannot directly invest in unmanaged indexes. Past performance does not guarantee future results.
The Dow Jones Industrial Average is an unmanaged index that is generally considered representative of large-capitalization companies on the U.S. stock market. The Nasdaq Composite is an index of the common stocks and similar securities listed on the Nasdaq stock market and considered a broad indicator of the performance of stocks of technology and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) and serves as a benchmark of the performance of major international equity markets, as represented by 21 major MSCI indexes from Europe, Australia, and Southeast Asia. The S&P 500 Composite Index is an unmanaged group of securities that are considered to be representative of the stock market in general.
U.S. Treasury Notes are guaranteed by the federal government as to the timely payment of principal and interest. However, if you sell a Treasury Note prior to maturity, it may be worth more or less than the original price paid. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors.
International investments carry additional risks, which include differences in financial reporting standards, currency exchange rates, political risks unique to a specific country, foreign taxes and regulations, and the potential for illiquid markets. These factors may result in greater share price volatility.
Please consult your financial professional for additional information.
This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG is not affiliated with the named representative, financial professional, Registered Investment Advisor, Broker-Dealer, nor state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security.
Copyright 2026 FMG Suite.

04/13/2026

Hope won out over fear last week as investors set their sights on a Middle East ceasefire holding and optimistic prospects for the Strait of Hormuz reopening.
The Standard & Poor’s 500 Index rose 3.56 percent, while the Nasdaq Composite Index picked up 4.68 percent. The Dow Jones Industrial Average advanced 3.04 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, increased 4.52 percent.1,2
Ceasefire Optimism
Stocks opened the week to modest gains, with the S&P 500 rising for the fourth consecutive trading day. Investors warily eyed the U.S.-imposed April 7 deadline for Iran to allow the free flow of oil and commerce through the Strait of Hormuz or risk further attacks on its energy infrastructure.3
Stocks opened lower Tuesday but recovered late in the session on news that Pakistan asked the U.S. to push its deadline out by two weeks.4
Markets then pushed higher on Wednesday following White House comments that the U.S. was suspending attacks for two weeks while it considered a ceasefire proposal. All three major averages gained more than 2.5 percent on Wednesday alone as tech stocks led the rally.5
The relief rally continued through Thursday as the Dow Industrials turned positive for the year.
On Friday, the markets shrugged off news that headline inflation rose to a two-year high in March. Stocks also looked past a disappointing consumer sentiment reading.6,7

Source: YCharts.com, April 11, 2026. Weekly performance is measured from Monday, April 6 to Friday, April 10. TR = total return for the index, which includes any dividends as well as any other cash distributions during the period. Treasury note yield is expressed in basis points.
Mixed Inflation Report
The overall Consumer Price Index rose in March, but a closer look revealed the reason investors were nonplussed by the results.
“Headline” inflation, economist-speak for the overall inflation rate, rose 3.8 percent year over year last month. That was up from 2.4 percent in February and its highest level since April 2024. But underlying inflation stayed cool. That’s because much of the rise in overall inflation was attributed to a 21 percent spike in gas prices, an outcome many investors expected.
So “core” inflation, which excludes energy and food prices, came in at 2.7 percent year over year, slightly below expectations.8
This Week: Key Economic Data
Monday: Existing Home Sales. Fed governor Stephen Miran speaks.
Tuesday: NFIB Small Business Optimism Index. Producer Price Index (PPI). Fed governor Michael Barr speaks. Fed Presidents Susan Collins (Boston), Tom Barkin (Richmond), and Anna Paulson (Philadelphia) speak together on a panel about the rural economy.
Wednesday: Import Prices. Home Builder Confidence. Fed Official speeches: Michael Barr and Fed Vice Chair for Supervision Michelle Bowman speak. Fed Beige Book.
Thursday: Weekly Jobless Claims. Industrial Production. Capacity Utilization. Fed Official speeches: New York Fed President John Williams and Stephen Miran.
Friday: Housing Starts. Building Permits. Fed Official speeches: Tom Barkin and Christopher Waller.
Source: Investors Business Daily - Econoday economic calendar: April 10, 2026.
The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.
This Week: Companies Reporting Earnings
Monday: Goldman Sachs (GS), Fastenal (FAST)
Tuesday: JPMorgan Chase (JPM), Johnson & Johnson (JNJ), Wells Fargo (WFC), Citigroup (C), BlackRock (BLK)
Wednesday: Bank of America (BAC), Morgan Stanley (MS), Progressive (PGR), PNC Financial Services (PNC), Kinder Morgan (KMI)
Thursday: Netflix (NFLX), PepsiCo (PEP), Abbott Laboratories (ABT), Charles Schwab (SCHW), Prologis (PLD), Bank of New York Mellon (BK), U.S. Bancorp (USB), Marsh (MRSH), The Travelers Companies (TRV)
Friday: Truist Financial (TFC)
Source: Zacks, April 10, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

“Your life does not get better by chance, it gets better by change.”
– Jim Rohn

Vacation Home Rentals
If you receive money for the use of your primary residence, you may have to report this rental income on your tax return; this means that the “vacation home rental” classification can apply to your home, even if you don’t own multiple short-term rental properties. The rental expense deduction is limited in the case of a property used as a home; the rental expenses cannot exceed the rent received. The rental income may not require reporting if you rent the house to your tenant for fewer than 15 days during the year.
A vacation home is a house, apartment, condominium, or other dwelling that you use to generate income, but you can also use it as a residence during the year. For tax purposes, it’s critical to divide the expenses of a property into personal and business purposes.
To report rental income and rental expenses, use Schedule E. In addition, rental income may be subject to a net investment income tax.
This information is not a substitute for individualized tax advice. Please consult with a qualified tax professional to discuss your specific tax issues.
Tip adapted from IRS.gov9

Taking Care of Your Mental Health
Taking care of your mental health is just as important as your physical health—if not more so. Your mental health influences how you communicate with others, how you perform at work, and how you feel about yourself.
Here are some tips to help you focus on your mental health and understand what you need to be the best version of yourself:
●Start your day with coffee or tea and enjoy the warm drink without thinking about what’s ahead.
●Set up a getaway, even if you don’t go far. It could even be camping in your backyard.
●Think of something in your life you want to improve and figure out what you can do to take a step in the right direction.
●Learn something new, whether that’s a recipe, a song, a poem, or a skill.
●Show some love to someone in your life. Write a letter, send a text, or give a loved one a phone call.
●Go off the grid and leave your smartphone at home for a day (or a few hours).
Tip adapted from Mental Health America10

A ship cruised out of the Pacific Ocean and into the Atlantic Ocean through the Panama Canal, but as it went through the Panama Canal, it didn’t travel east. How is this possible?
Last Week's Riddle: I never complain, no matter where I am led; I go around in circles, yet move straight ahead. What am I?
Answer: A wheel.

Al Dallah Teapot, Doha Corniche, Qatar
Doha, Ad Dawhah, Qatar
Footnotes And Sources
1. WSJ.com, April 10, 2026
2. Investing.com, April 10, 2026
3. CNBC.com, April 6, 2026
4. CNBC.com, April 7, 2026
5. CNBC.com, April 8, 2026
6. WSJ.com, April 9, 2026
7. WSJ.com, April 10, 2026
8. CNBC.com, April 10, 2026
9. IRS.gov , September 16,2025
10. Mhanational.org, November 17, 2025

Investing involves risks, and investment decisions should be based on your own goals, time horizon, and tolerance for risk. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost.
The forecasts or forward-looking statements are based on assumptions, may not materialize, and are subject to revision without notice.
The market indexes discussed are unmanaged, and generally, considered representative of their respective markets. Index performance is not indicative of the past performance of a particular investment. Indexes do not incur management fees, costs, and expenses. Individuals cannot directly invest in unmanaged indexes. Past performance does not guarantee future results.
The Dow Jones Industrial Average is an unmanaged index that is generally considered representative of large-capitalization companies on the U.S. stock market. The Nasdaq Composite is an index of the common stocks and similar securities listed on the Nasdaq stock market and considered a broad indicator of the performance of stocks of technology and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) and serves as a benchmark of the performance of major international equity markets, as represented by 21 major MSCI indexes from Europe, Australia, and Southeast Asia. The S&P 500 Composite Index is an unmanaged group of securities that are considered to be representative of the stock market in general.
U.S. Treasury Notes are guaranteed by the federal government as to the timely payment of principal and interest. However, if you sell a Treasury Note prior to maturity, it may be worth more or less than the original price paid. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors.
International investments carry additional risks, which include differences in financial reporting standards, currency exchange rates, political risks unique to a specific country, foreign taxes and regulations, and the potential for illiquid markets. These factors may result in greater share price volatility.
Please consult your financial professional for additional information.
This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG is not affiliated with the named representative, financial professional, Registered Investment Advisor, Broker-Dealer, nor state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security.
Copyright 2026 FMG Suite.

03/30/2026

Stocks ended a challenging week lower as investors' attention shifted from updates on ceasefire talks to concerns about the economic impact of a protracted conflict.
The Standard & Poor’s 500 Index lost 2.12 percent, while the Nasdaq Composite Index fell 3.23 percent. The Dow Jones Industrial Average slid 0.90 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, ended the week flat (-0.05 percent).1,2
Challenging Week
Stocks opened higher to start the week as fresh optimism for a resolution to the Middle East conflict permeated market sentiment, and no further news on Iraq’s force majeure declaration appeared to help momentum. Both the Dow Industrials and S&P 500 booked their best day since early February as the White House reported "very good and productive conversations" to end hostilities.3

Markets were under pressure on Tuesday but staged a recovery rally midweek amid reports that Pakistan was mediating ceasefire talks. All three major averages posted solid gains, though it appeared that retail investors remained on the sidelines.4

The upbeat sentiment was short-lived. Markets were under steady pressure Thursday despite news after the close of trading that the White House was extending the previous pause on military strikes on Iranian energy infrastructure by an additional 10 days. The selling picked up on Friday. The Nasdaq and Dow Industrials fell into correction territory, while the S&P suffered its longest weekly losing streak in almost four years.5

Source: YCharts.com, March 28, 2026. Weekly performance is measured from Monday, March 23 to Friday, March 27. TR = total return for the index, which includes any dividends as well as any other cash distributions during the period. Treasury note yield is expressed in basis points.
Sector Spotlight
Some investors have turned to energy stocks during the volatility. At the close of trading, 19 energy stocks in the S&P 500 traded at their 52-week highs.6
This Week: Key Economic Data
Monday: New York Fed President John Williams speaks.
Tuesday: S&P/Case Shiller Home Price Index* (Jan.). Consumer Confidence. Job Openings. Fed speeches: Austan Goolsbee (Chicago), Michael Barr, Michelle Bowman.
Wednesday: Retail Sales* (Feb.). ADP Employment Report. Business Inventories* (Jan.). PMI—Manufacturing. ISM Manufacturing. EIA Petroleum Status Report. Fed speeches: Alberto Musalem (St. Louis), Michael Barr.
Thursday: Weekly Jobless Claims. Trade Deficit (Feb.). Fed official Lorie Logan speaks. Factory Orders. EIA Natural Gas Report. Motor Vehicle Sales. Fed Balance Sheet.
Friday: Employment Report. PMI—Services.
* indicates federal data release delayed by the government shutdown
Source: Investors Business Daily - Econoday economic calendar: March 27, 2026.
The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.
This Week: Companies Reporting Earnings
Wednesday: Nike, Inc. (NKE), McCormick & Company, Incorporated (MKC/MKC.V)
Source: Zacks, March 27, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

"Self-pity in its early stages is as snug as a feather mattress. Only when it hardens does it become uncomfortable."
– Maya Angelou

IRS Program Helps Seniors Prepare Taxes
The Internal Revenue Service (IRS) offers a Free File tool that provides online tax preparation, direct deposit of refunds, and electronic filing choices. This tool can be helpful for taxpayers on a fixed budget, including seniors and retirees. Here are some things to know about the tool:
IRS Free File is available at IRS.gov and features some of the biggest names in tax software.
To use the tool, taxpayers can browse multiple offers.
The eligibility standards for Free File vary by tax partner but are usually based on income, age, and state residency.
Free File has the most common forms needed to file your taxes. Even if you have a unique tax situation, you may still be able to use Free File.
Some Free File products are available in Spanish.
You can also search for credits and deductions in Free File.
Some providers in Free File also offer state return preparation. You can use the lookup tool in Free File to find the tax partner that might be appropriate for your state requirements.
Taxpayers can access Free File through their computers, smartphones, or tablets. The site is designed for mobile usage.
This information is not a substitute for individualized tax advice. Please discuss your specific tax issues with a qualified tax professional.
Tip adapted from IRS.gov7

Aloe Vera: One Powerful Plant
Aloe vera is one of those medicinal plants that can be used for almost everything. It is a cactus-type plant that grows well in many climates and has thick, juicy leaves that store water. Because of this, aloe vera is loved for its hydrating properties. Let's look at aloe's many benefits and how you can include it in your daily routine.
The thick, sticky gel in aloe leaves contains powerful bioactive compounds, including vitamins, minerals, amino acids, and antioxidants.
Aloe vera is also known for its healing properties. Its antibacterial, antiviral, and antiseptic properties may help heal wounds and treat skin problems. It can also be used as a topical treatment for first- and second-degree burns.
Tip adapted from Medical News Today8

I sleep by day and fly by night, with no feathers to aid my flight. What am I?
Last Week's Riddle: What comes at the end of a rainbow?
Answer: The letter W.

Vanessa Virginiensis (American Lady Butterfly)
Eastampton, NJ, United States
Footnotes And Sources
1. WSJ.com, March 27, 2026
2. Investing.com, March 27, 2026
3. CNBC.com, March 16, 2026
4. CNBC.com, March 24, 2026
5. WSJ.com, March 27, 2026
6. CNBC.com, March 19, 2026
7. IRS.gov, June 23, 2025
8. Medicalnewstoday.com, August 27, 2025

Investing involves risks, and investment decisions should be based on your own goals, time horizon, and tolerance for risk. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost.
The forecasts or forward-looking statements are based on assumptions, may not materialize, and are subject to revision without notice.
The market indexes discussed are unmanaged, and generally, considered representative of their respective markets. Index performance is not indicative of the past performance of a particular investment. Indexes do not incur management fees, costs, and expenses. Individuals cannot directly invest in unmanaged indexes. Past performance does not guarantee future results.
The Dow Jones Industrial Average is an unmanaged index that is generally considered representative of large-capitalization companies on the U.S. stock market. The Nasdaq Composite is an index of the common stocks and similar securities listed on the Nasdaq stock market and considered a broad indicator of the performance of stocks of technology and growth companies. The MSCI EAFE Index was created by Morgan Stanley Capital International (MSCI) and serves as a benchmark of the performance of major international equity markets, as represented by 21 major MSCI indexes from Europe, Australia, and Southeast Asia. The S&P 500 Composite Index is an unmanaged group of securities that are considered to be representative of the stock market in general.
U.S. Treasury Notes are guaranteed by the federal government as to the timely payment of principal and interest. However, if you sell a Treasury Note prior to maturity, it may be worth more or less than the original price paid. Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors.
International investments carry additional risks, which include differences in financial reporting standards, currency exchange rates, political risks unique to a specific country, foreign taxes and regulations, and the potential for illiquid markets. These factors may result in greater share price volatility.
Please consult your financial professional for additional information.
This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG is not affiliated with the named representative, financial professional, Registered Investment Advisor, Broker-Dealer, nor state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security.
Copyright 2026 FMG Suite.

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