Brokerage services are provided by Maplewood Investments, Inc., MEMBER FINRA, SIPC. The Dow Jones Industrial Average, NASDAQ Composite, S&P 500, Russell 2000, MSCI World ex-USA, and MSCI Emerging Markets are unmanaged indexes. An investment cannot be made directly in an index. It should not be assumed that past performance in any way relates to future results. The information herein has been derived from sources believed to be reliable, but this is not a guarantee as to the accuracy and does not purport to be a complete analysis of the security, company or industry involved. Since no one investment program is suitable for all types of investors, you should carefully consider the investment objectives, risks, charges and expenses. Additional information is available upon request. The opinions expressed in this herein are the opinions of Kurt L. Smith only. They are not the opinions of Maplewood Investments, Inc., or its officers or employees.