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Certain information contained herein is based upon hypothetical performance.  Hypothetical performance refers broadly to backward looking, future looking or model return information that is not connected to the actual returns of client accounts. Before making any investment decision, including selecting an investment adviser or investment portfolio, you should understand how any performance representation is calculated and presented. Effective November 4, 2022, The U.S. Securities and Exchange Commission (“SEC”) prohibits investment advisers from showing hypothetical performance unless it is relevant to your likely financial situation and investment objectives, provides sufficient information to enable you to understand the criteria used and assumptions made when calculating such hypothetical performance, and provides sufficient information to you to understand the risks and limitations of using such hypothetical performance in making investment decisions. Further, investment advisers must ensure that when receiving hypothetical performance materials, you have access to the resources necessary to independently analyze hypothetical performance information and you have the financial expertise to understand the risks and limitations of hypothetical performance presentations. The purpose of these access questions is to confirm that you are a registered investment professional or otherwise have the relevant financial sophistication to understand the hypothetical performance information contained herein, and that such information is relevant to your likely financial situation.

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