¹ Kara Murphy, CFA is not affiliated with or an employee of Wealth Preservations Solutions, LLC., or Kestra Advisory Services, LLC. Kara is affiliated with Kestra Investment Management, LLC, an investment adviser registered with the Securities and Exchange Commission. Kestra IM is an affiliate of Kestra Holdings. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Advisor Services Holdings C, Inc., d/b/a Kestra Holdings, and its subsidiaries, including, but not limited to, Kestra Advisory Services, LLC, Kestra Investment Services, LLC, Bluespring Wealth Partners, LLC, and Grove Point Financial, LLC. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by any entity for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was created to provide accurate and reliable information on the subjects covered but should not be regarded as a complete analysis of these subjects. It is not intended to provide specific legal, tax or other professional advice. The services regarded as a complete analysis of these subjects. It is not intended to provide specific legal, tax or other professional advice. The services regarded as a complete analysis of these subjects. It is not intended to provide specific legal, tax or other professional advice. The services regarded as a complete analysis of these subjects. It is not intended to provide specific legal, tax or other professional advice.