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For general information purposes only. No portion of the podcast serves as the receipt of, or as a substitute for, personalized investment advice from Mercer Advisors. All expressions of opinion reflect the judgment of the speaker as of the date of recording and are subject to change. Some of the research and ratings provided in this podcast come from third parties that are not affiliated with Mercer Advisors. The information is believed to be accurate but is not guaranteed or warranted by Mercer Advisors. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related planning services, discussion, or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. This podcast does not imply a recommendation or solicitation to buy or sell any referenced security or engage in any particular investment strategy. Diversification and asset allocation do not ensure a profit or guarantee against loss. Past performance may not be indicative of future results. Historical performance results for investment indexes and/or asset classes, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. The podcast may contain forward-looking statements including statements regarding our intent, belief or current expectations with respect to market conditions. Listeners are cautioned not to place undue reliance on these forward-looking statements. While due care has been used in the preparation of forecast information, actual results may vary in a materially positive or negative manner. No portion of the content should be construed by a client or prospective client as a guarantee that they will experience a certain level of results if Mercer Advisors is engaged, or continues to be engaged, to provide investment advisory services. Private investments are subject to substantial risks, including limited liquidity. Therefore, private investments are not suitable for all investors. Options investing involve unique risks, tax consequences and commission charges and are not suitable for all investors.