As a professional portfolio manager and investment analyst, I advise clients on all aspects of investment strategy, asset allocation, and investment selection. With experience at both wire houses and RIAs, I have worked extensively with high net worth individuals, successful families, and non-profit institutions. My focus has always been to educate clients of the benefit of maintaining a long-term view that is goal-oriented, and insulated from the day-to-day noise. I believe that investors who base portfolio construction on a durable strategy, while avoiding tactical moves, are best served and will realize a more favorable investment experience. In addition to my professional experience, I have also earned an MS in finance, BA in economics, and hold the CFA designation. The opinions expressed here are my own and not that of my employer. Please see below for additional disclosure information: Important Disclosure Information Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Mosaic Advisors (“Mosaic”), including the author, or any non-investment related content, made reference to directly or indirectly in this commentary will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this commentary serves as the receipt of, or as a substitute for, personalized investment advice from Mosaic or the author. Mosaic is neither a law firm nor a certified public accounting firm and no portion of the commentary content should be construed as legal or accounting advice. A copy of the Mosaic’s current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.