 The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your attorney, accountant, financial advisor, or tax advisor prior to investing. This show contains forward-looking statements that may not come true. Securities Investment Advisory Services offered through Grove Point Financial, member FINRA SIPC, Grove Point Financial, and Kelch & Associates are unaffiliated companies.