 Any examples used are for illustrative purposes only and do not take into account your particular investment objectives, financial situation or needs and may not be suitable for all investors. It is not intended to predict the performance of any specific investment and is not a solicitation or recommendation of any investment strategy. Higher Ground Financial Group does not provide securities investment advice. No part of this program should be construed as advice to buy, hold or sell any security. Any mention of securities is incidental and for educational purposes only.