Andy Andrews is a registered representative of Osaic Wealth. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances. This presentation is for informational and educational purposes only, and all examples are hypothetical illustrations that do not predict or guarantee investment performance. Actual results will vary based on market conditions, tax law changes, and individual circumstances. I am not a licensed tax or legal professional, and any tax or legal information should be reviewed with a qualified advisor. Nothing in this presentation constitutes a recommendation, and investing involves risk, including potential loss of principal. Past performance does not guarantee future results. Tax laws and financial regulations are subject to change, and any strategies discussed should not be considered personalized advice. Consult a licensed tax or legal professional before making any financial decisions.