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A diversified portfolio does not assure a profit or protect against loss in a declining market.

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns. Asset allocation should not be confused with the much simpler concept of diversification.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Cetera Advisor Networks LLC does not give legal or tax advice.

Without continual growth and progress, such words as improvement, achievement, and success have no meaning.

Benjamin Franklin

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