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This material is for general information only and is not intended to provide specific advice or recommendations for any individual and does not create a broker-client relationship. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change. Please consult a HUB advisor about your specific needs before taking any action.

HUB Retirement and Private Wealth employees may be either HUB employees or independent contractors and may be Registered Representatives of and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisers; which may or may not be affiliated with HUB International. Insurance services are offered through HUB International and several other appropriately licensed and registered HUB affiliates. Consult your HUB advisor for additional information about the provision of specific securities, investment advisory, and insurance services.