Every investment involve a degree of risk. All materials contained herein are provided "as is" without any express or implied warranties.  Materials provided herein are based on current market conditions, which will fluctuate and may be superseded by subsequent market events. Historic market trends are not reliable indicators of actual future market behavior or future performance of any particular investment which may differ materially, and should not be relied upon as such. The investment strategy and broad themes discussed may be inappropriate for investors depending on their specific investment objectives and financial situation. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. The author is not a registered investment adviser, broker-dealer, or financial professional. All opinions are for informational purposes only.  Nothing contained herein constitutes tax, legal, insurance or investment advice, or the recommendation of or an offer to sell, or the solicitation of an offer to buy or invest in any investment product, vehicle, service or instrument. Such offers and solicitations require delivery to a prospective investor of formal offering materials which include detailed discussions of the terms of such investment, including the principal risk factors, which should be reviewed carefully before investing.