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Investment Advisory and Financial Planning Services are offered through MAI Capital Management (“MAI”), an SEC Registered Investment Adviser. No offer is made to buy or sell any security or investment product. This is not a solicitation to invest in any investment product of MAI. MAI does not provide legal advice. Consult with your attorney regarding specific situations. Securities identified and described do not represent all of the securities purchased, sold or recommended for client accounts, and may include securities not purchased by MAI. It should not be assumed that an investment in the securities identified was or will be profitable. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Investing involves risk, including the potential loss of principal. No investment can guarantee a profit or protect against loss in periods of declining value. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Opinions and projections are as of the date of their first inclusion herein and are subject to change without notice to the reader. As with any analysis of economic and market data, it is important to remember that past performance is no guarantee of future results.