No investment strategy assures a profit or protects against loss. Investing involves risks, including possible loss of principal.

Asset allocation does not ensure a profit or protect against a loss.

The prices of small cap stocks are generally more volatile than large cap stocks.

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.