The information contained Quantum Insights is informational and intended to provide background to our clients about our thinking concerning investing and financial planning. Our opinions are only that, and we make no guarantee about future investment results or the impact of the issues we discuss on investment markets. Nothing posted to this blog site should be construed as investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person; we provide advice on an individual basis only after understanding your own circumstances and needs. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Quantum Financial Planning Services manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results. We believe the information provided is accurate as of the date furnished, but we do not guarantee accuracy and will not revisit past material to update it. We discuss estate planning and tax issues generally but are neither accountants nor lawyers and are not providing legal or tax advice. We encourage you to talk to us about the impact of specific decisions on your own financial plan, and to seek advice from other professionals.