Disclosures  The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor’s particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor. The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward‐looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur.

All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such. Targets estimates are based on certain assumptions and analysis made by the advisor. There is no guarantee that the estimates will be achieved. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. All investments include a risk of loss that clients should be prepared to bear. The principal risks of ReFrame Wealth strategies are disclosed in the publicly available Form ADV Part 2A. Diversification does not ensure a profit or guarantee against loss. ReFrame Wealth, LLC (“ReFrame Wealth”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where ReFrame Wealth and its representatives are properly licensed or exempt from licensure.