Guidance Point Retirement Services is a Maine-based Consulting and Registered Investment Advisory Firm that is designed to provide objective and independent solutions and ideas for retirement plan sponsors and institutional clients. Please visit our website at http://guidancepointrs.com for more information. Disclaimer: Any articles provided are for educational purposes only. The information, analysis and opinions expressed herein reflect our judgment as of the date of writing and are subject to change at any time without notice. They are not intended to constitute legal, tax, securities, or investment advice or a recommended course of action in any given situation. All investments carry a certain risk and there is no assurance that an investment will provide positive performance over any period of time. Information obtained from third party resources is believed to be reliable but not guaranteed. Past performance is not indicative of future results. Index performance is presented for illustrative purposes only and does not represent the performance of any specific investment product or portfolio. An investment cannot be made directly into an index. © Guidance Point Retirement Services, LLC. All rights reserved.