 Asset allocation, rebalancing, and diversification do not ensure or guarantee a better performance and cannot eliminate the risk of investment losses. References to market results do not represent the performance of Roberts Wealth Management. Historical performance returns for investment indexes and or categories usually do not deduct transaction and or custodial charges of an advisory fee, which would decrease the historical performance results. There are no guarantees that a portfolio will match or outperform a specific benchmark. Tax information provided is general in nature and should not be construed as legal or tax advice.