All examples included are hypothetical and for illustrative purpose only. investments involve risks and results may vary. Any illustrations are not intended to reflect the actual performance of any particular security. Future performance cannot be guaranteed and investment yields/returns will fluctuate with market conditions. Diversification and asset allocation do not ensure a profit or protect against a loss. Any opinions are those exclusively of Michael De Lucia CPA, CFP®. Expressions of opinion are as of the date of the post and are subject to change without notice.