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The views expressed are those of the author as of the date noted, are subject to change based on market and other various conditions, are not a solicitation to purchase or sell any security and may not reflect the views of United Planners Financial Services. Many statements of future expectations and other forward-looking statements are based on current market and economic conditions and assumptions and involve known and unknown uncertainties that could cause actual results, performance or events to substantially differ from those expressed or implied. Keep in mind that current and historical facts may not be indicative of future results.

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