Disclaimer

The information in this book is provided for educational and informational purposes only and does not constitute investment, financial, legal, or tax advice. The views expressed are solely those of the author and do not reflect the opinions of any organization with which the author is affiliated. Readers are encouraged to consult a qualified professional before making any investment decisions. Investments involve risk, including the potential loss of principal. Past performance is not indicative of future results.

The author serves as an independent trustee for the board that oversees certain exchange-traded funds (ETFs) mentioned in this book. This role is fiduciary in nature and does not involve any affiliation with the fund sponsor or advisor beyond oversight responsibilities on behalf of fund shareholders. The author does not receive compensation from any ETF sponsor discussed herein as it pertains to fund sales or performance. Any mention of specific ETFs is incidental and for illustrative or educational purposes only, and should not be interpreted as an endorsement or recommendation.

The author and creators of the strategies discussed in this text do not necessarily endorse any specific implementation within this text. This book is for educational purposes only and the strategies should be implemented with the help of a qualified financial professional.