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* This series of educational seminars are intended to be informational in nature: the topics discussed and opinions given are not intended to address the specific investment needs of any individual participant. Nothing contained herein is to be considered a solicitation, research material, an investment recommendation or advice of any kind. The information contained herein may contain information that is subject to change without notice. Any investments or strategies referenced herein do not take into account the investment objectives, financial situation or particular needs of any specific person. Product suitability must be independently determined for each individual investor. The instructors and representatives do not offer legal or tax advice, and participants are encouraged to discuss their specific needs with an appropriately licensed professional.