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Disclosure: M&R Investment Management, Inc. (“M&R”) is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC as an investment adviser should not be construed to imply that the SEC has approved or endorsed qualiﬁcations or the services M&R offers, or that or its personnel possess a particular level of skill, expertise or training. M&R mainly provides investment advice to individual investors. All information provided herein is subject to change. Investment advice and financial planning services are provided by M&R. M&R is not affiliated with any of its custodians including: Schwab Advisor Services or Pershing Advisor Services. CRS: https://uploads.documents.cimpress.io/v1/uploads/b526c782-25db-4763-b067-691a2b8e6519~110/original?tenant=vbu-digital