Disclaimer: The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please contact us to obtain independent professional advice, in the context of your particular circumstances. This newsletter was written, designed and produced by Rocco & Ryan Faiella, (Insurance Advisors with Financial Horizons., Financial Advisors with Investia Financial Services Inc.) and does not necessarily reflect the opinion of either institution. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Insurance & Segregated Funds products are offered through Financial Horizons and various insurance carriers. Mutual Funds & GIC’s are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. | 
