This graphical presentation including illustrations and performance simulations are hypothetical and do not represent actual returns. The presentation is merely used to illustrate the potential benefits of diversification. Performance displayed represents past performance, which is no guarantee of future results. The information provided here is intended to be general in nature and should not be construed as investment advice nor a recommendation of any specific security or strategy. The index annual total returns do not reflect any management fees, transaction costs or expenses. There are special risk considerations with each of the strategies mentioned and they are not suitable for all investors. None of the investments strategies can guarantee a return in a declining market. Additionally, an investor could lose all or a substantial amount of their investment. For more information about these strategies and their risks please consult your financial advisor. “S&P®”, “Standard & Poor’s®,” S&P 500®,” and “S&P” DTI are trademarks of the McGraw-Hill Companies.