This material is being provided for information purposes only and is not a complete description, nor is it a recommendation.  Any opinions are those of Todd Kirsch and not necessarily those of Raymond James Financial Services. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete.  Every investor’s situation is unique and investments mentioned may not be suitable for all investors.  Consult your financial advisor about your unique situation prior to making any investment decision.  Investing involves risk and you may incur a profit or loss regardless of strategy selected.

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