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The information and views contained herein are for informational purposes only and do not contend to address the financial objectives, situation or specific needs of any individual investor. The information presented does not constitute, and should not be construed as, investment advice or recommendations with respect to the securities or investments mentioned. Moreover, neither the information nor any opinion expressed constitutes a solicitation for the purchase or sale of any investment or security. Forecasts and model results are inherently limited and should not be relied upon as an indicator of future performance. These comments are not necessarily representative of the opinions and views of other portfolio managers or of the firm as a whole. Past performance is no guarantee of future results. CTC Consulting, LLC does not provide tax or legal advice. You should consult your legal and tax advisors regarding your personal situation before making any financial decisions. CTC Consulting, LLC is a registered investment advisor.