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    2nd Opinion Services
    December 13, 2022
    CERTIFIED FINANCIAL PLANNER™, Education Planning, Education Planning, Estate Planning, Financial Planning, Interest Rates, Investment Planning, Investments, Legacy Goals, Retirement Planning, Tax Management, Tax Planning, Taxes
    With all the complexity and volatility in today’s financial markets, many investors are unsure of...
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    Social Security in Spotlight
    November 10, 2022
    CERTIFIED FINANCIAL PLANNER™, Estate Planning, Financial Planning, Retirement Planning
    Starting in January 2023 millions of retirees will see the largest cost of living increase...
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    To Roth or Not to Roth
    October 15, 2022
    CERTIFIED FINANCIAL PLANNER™, Estate Planning, Financial Planning, Investment Planning
    By CASEY TINIUS / CFP® Should I pay taxes now, or wait and pay taxes when...
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    Who Knew A Shoebox Could Enhance Your Long-Term Finances!?
    September 30, 2022
    Financial Planning, Health Care, Health Savings Account, Strategy
    The Shoebox Strategy is a method that can boost your HSA into overdrive and help...
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    Extreme Concentration Is Great, Unless It’s In Your Investment Portfolio
    September 16, 2022
    Financial Planning, Investment Planning, Retirement Planning, Tax Planning
    By CASEY TINIUS CFP® In many aspects of life extreme concentration is a good thing. Being...
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    CFP® exam—the gold standard in financial planning
    August 22, 2022
    CERTIFIED FINANCIAL PLANNER™, Estate Planning, Financial Planning, Investment Planning, Retirement Planning, Tax Planning
    By RUDY EDELEN / CFP® Countless time of studying and coursework after working hours went...
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    Homestead Exemption
    December 9, 2020
    Financial Planning, Housing, Tax Planning
    If you are nearing or have already reached age 65, how would you like to...
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    The Election...Our Clients’ Most Common Concern
    September 1, 2020
    Economy, Government, Politics, Uncategorized
    by BRENT MASON / CFP® CTFA The media and each of the candidates have done an...
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    IRA or HSA—Which Should I Fund First?
    June 24, 2020
    Financial Planning, Health Care
    Health Savings Accounts (HSAs) have only been around since 2003 but have rapidly been gaining...
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    Quick Year-End Tax Points
    December 21, 2019
    Economy, Tax Planning
    Lost in the noise of the impeachment hearings—the Secure Act (Setting Every Community Up for...
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    2020 Retirement Plan Contributions
    November 11, 2019
    Retirement Planning, Tax Planning
    It’s that time of year again! No, not time to get your Christmas decorations out...
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    Tax Season...Limited Breaks Going Forward
    February 6, 2019
    Financial Planning, Tax Planning, Taxes
    You are receiving your W2s and 1099s as the first filing season under the new...
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    Estate Planning Simplified
    June 15, 2018
    Estate Planning
    Only 4 in 10 American adults have a will according to AARP, and a report...
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    “GRAY” DIVORCE
    January 24, 2018
    Financial Planning
    7 Steps to Being Prepared to Be Single After Retirement Libby Wilkins, CDFA™ A divorce can be...
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    Against The Wind
    January 12, 2018
    Philosophy
    I love Bob Seger and the Silver Bullett band, and still crank up the volume...
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    From the Desk of Casey Tinius
    December 4, 2017
    Philosophy
    Find A Comprehensive, Fee-Only Fiduciary A “Financial Advisor” can come in many different shapes and sizes....
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    Hack-Proof Your Amazon Account
    November 28, 2016
    Technology
    It’s Cyber Monday for all you spenders, so we thought it would be appropriate to...
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    The Most Important Question in Retirement Planning
    October 29, 2016
    Retirement Planning
    What is the biggest financial issue for most retirees? That they’ll outlast and outlive their...
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    Politics Take Center Stage
    September 28, 2016
    Politics
    We are in an election year with the first debate next Monday, so we wanted...
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    Summer Planning Tip
    July 29, 2016
    Financial Planning, Tax Planning
    It’s a dreary Friday morning so I thought it would be good to do a...
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    The Employment Challenge
    June 17, 2016
    Employment, Technology
    The one constant thing in life and the economy is that “change” is sure to...
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    The Future of Taxes?
    March 2, 2016
    Financial Planning, Government, Tax Planning, Taxes
    We feel that a sound wealth management plan focuses on making the most of the...
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    Will stocks decline further? Answer: Watch the Economy
    September 29, 2015
    Uncategorized
    We continue to focus on economic activity to monitor the outlook for earnings, which ultimately...
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    Federal Govt Status
    July 13, 2015
    Government
    The Congressional Budget Office (CBO) reported a June budget surplus for the federal government, which...
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    Brace For The Media Barrage
    June 16, 2015
    Federal Reserve, Investment Planning
    “The biggest big business in America is not steel, automobiles, or television.  It is the...
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    In Retirement, Money Isn't Everything
    February 19, 2015
    Retirement Planning
    Financial matters are only one part of the retirement readiness equation. Have you considered the...
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    Happy (almost) New Year!
    December 31, 2014
    Uncategorized
    Wishing all a prosperous and blessed start to 2015.  The following is a timely poem...
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    Give Me A Raise
    November 19, 2014
    Employment, Interest Rates, Uncategorized
    We continue to get inquires on our opinion of when interest rates will rise.  A...
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    Manufacturing in the Good Ole US of A
    September 29, 2014
    Energy, Technology
    You say what?  Not in our country… it has all moved overseas, right?  Well, we have...
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    Obsession Over "Considerable Time"
    September 18, 2014
    Economy, Federal Reserve, Interest Rates
    The Fed concluded their two day meeting yesterday, and it held no real surprises.  The...
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    The Seasons
    August 5, 2014
    Economy, Investment Planning
    We have compared investing to farming multiple times over the years.  We believe there is...
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    Rising Interest Rates in Your Future?
    July 28, 2014
    Economy, Federal Reserve, Interest Rates
    This week will be a busy one with Wednesday a key day as the release of...
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    Do You Need a Mulligan?
    July 21, 2014
    Behavioral Finance, Investment Planning, Retirement Planning
    I was raised to respect my elders and listen closely to their advice… there is much to be learned from...
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    Taxing Issues.. Key Triggers for an Audit
    July 17, 2014
    Financial Planning, Tax Planning, Taxes
    IRS funding cuts have shrunk examinations to their lowest level since 2005. Only 1 return...
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    Looking Into The Future
    July 11, 2014
    Banks, Employment, Technology
    We tweeted out an interesting statistic today from the Journal of Financial Planning that reinforces...
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    Generation Debt... Staggering College Statistics
    June 17, 2014
    Debt, Economy, Tuition
    It’s not just the total number of student loan borrowers that is going up.  The...
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    Economics 101 - It's Supply and Demand
    June 13, 2014
    Federal Reserve, Interest Rates
    Why have U.S. Treasury yields dropped since the beginning of 2014? The most convincing explanation may be...
  • READ MORE
    Markets Must Always Crash
    May 22, 2014
    Behavioral Finance, Investment Planning
    No, we don’t forecast any imminent drop in the markets.  We just saw a good article...
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    Uncle Sam Desires to Increase Taxes Again
    May 5, 2014
    Taxes
    Surprise.. Surprise… The US Govt may be changing the rules in very short order to...
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    The Graduate
    April 17, 2014
    Employment
    HT.. to the folks at Gluskin Sheff on a piece focusing on the labor markets....
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    Robotics.. The Next Big Thing
    April 15, 2014
    Economy, Employment, Technology
    This is very good read from the folks at Lord Abbett on Robotics.  We are...
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    Is Your 401(k) Ripping You Off?
    March 26, 2014
    Retirement Planning
    Approximately 51 million Americans have invested an estimated $3.5 trillion in 401(k) plans, according to the...
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    Where is Inflation?
    March 19, 2014
    Federal Reserve, Interest Rates
    We have written on numerous occasions about our real fear of deflation, and the fact...
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    Rich Habits... Do You Have Them?
    March 12, 2014
    Behavioral Finance, Philosophy
    We hope you enjoy these success habits.  Your daily behavior does determine your economic outcome. Early...
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    It's Crunch Time
    February 24, 2014
    Economy, Federal Reserve, Investment Planning, Stock Market
    The severe winter weather in most of the country dampened January’s housing and other economic...
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    Save, Patience and Resisting the Chase
    February 20, 2014
    Investment Planning
    We strongly feel that investors can enhance their long-term returns by avoiding three common mistakes: Not...
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    Budgets Work.. Pay Attention to Your Money
    February 5, 2014
    Behavioral Finance
    This is a great graphic from HelloWallet on the benefits of a budget. Budgets can be...
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    Taxes... The New Weapon on the War on Poverty
    January 24, 2014
    Government, Taxes
    Statistics reported last year by the Tax Policy Center stated that families with incomes in the...
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    Goals Instead of Resolutions?
    January 17, 2014
    Behavioral Finance
    This is a very good article by the folks at Behavior Gap that apply to...
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    Rise of the Machines
    January 16, 2014
    Technology
    CNBC had some guests on this morning talking about the advancements in technology, and the...
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    Make the "Magic" Happen
    December 24, 2013
    Behavioral Finance, Financial Planning, Philosophy
    It’s that time of year when Holiday cheer is spread and New Year’s resolutions are...
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    Singles... Now Defining Our Nation?
    December 23, 2013
    Economy
    For the first time ever, the number of single people in America is almost equal...
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    High Stakes for Real Estate Investors
    December 13, 2013
    Tax Planning
    Rental real estate activities are per se passive, they may nonetheless avoid the passive loss...
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    Stock Market Forecasts
    December 11, 2013
    Stock Market
    Not sure why CNBC, Bloomberg and Fox Business put so much weight on the Wall...
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    What Keeps Me Up at Night?
    December 4, 2013
    Behavioral Finance, Stock Market
    I got the famous question at the gym this morning… “What do you think the...
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    Isn't 0% Bank Interest Low Enough?
    December 2, 2013
    Banks, Federal Reserve
    The ¼ of 1% that the Fed currently pays US banks on the $2.5 trillion...
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    Talking Heads
    November 25, 2013
    Behavioral Finance, Investment Planning
    I thought I would share a good post from Vanguard’s Advisor Blog written by Fran...
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    What The Fed Isn't Saying
    November 17, 2013
    Federal Reserve
    My kids loved the Harry Potter novels during their youth.  The quote from the books...
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    It Is The Season to Give
    November 8, 2013
    Charitable Giving, Estate Planning, Financial Planning, Tax Planning
    The holiday season is closing upon us quickly, which means it is time to start...
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    Perceived Safety... At A Cost
    October 30, 2013
    Interest Rates, Investment Planning
    In the current low-yield environment, it’s not uncommon to see low interest rates on Money...
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    Still Waiting for Work
    October 24, 2013
    Economy, Employment
    The 2007-2009 recession took an enormous toll on the labor market.  We believe that this...
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    No More Stretch IRA?
    October 17, 2013
    Charitable Giving, Estate Planning, Financial Planning, Government, Tax Planning, Taxes
    A fantastic tax savings opportunity may be going away in 2014, as the Obama budget...
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    Money Can Buy Happiness
    October 14, 2013
    Philosophy
    We feel like it can, but you just have to know how to spend it. Buy...
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    Work to Be Done
    September 25, 2013
    Economy, Government
    We have made a small dent into our public (Federal Govt) budget deficit, but significant...
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    Commodities
    September 23, 2013
    Precious Metals
    We continue to get asked about our opinion on investing in gold.  We are in...
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    The Selective Recovery.. Except for DC
    September 20, 2013
    Employment
    Even as the economy shows signs of improvement and poverty levels off, new U.S. census...
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    Can We Escape?
    September 5, 2013
    Economy, Federal Reserve, Interest Rates
    We have been stuck in an environment of low interest rates for over three years....
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    Wrath of the People
    August 28, 2013
    Government, Politics, Taxes
    It is painfully obvious that we have a major problem with our tax code.  Last...
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    Population by Age
    August 14, 2013
    Health Care, Technology
    This is a really neat graph that visually helps you understand the advances in Health...
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    Would You Eat Hamburger from a Printer?
    August 10, 2013
    Technology
    The changes in technology over the last 15 years have been very rapid, but in...
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    Give A Helping Hand
    August 9, 2013
    Charitable Giving, Philosophy
    I do believe that success in life is dependent on giving back to society.  I...
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    Higher Taxes for 2013
    July 3, 2013
    Taxes
    We are half way through the year, so don’t forget that Uncle Sam is sharping...
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    Saudi America?
    July 2, 2013
    Energy
    Good post yesterday from Dr. Mark J. Perry, full professor of economics at the Flint campus...
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    I Need Free Advice
    June 18, 2013
    Behavioral Finance, Investment Planning, Stock Market
    We are stopped at regular intervals and asked “when will the market fall?”… The reason...
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    KY Pensions... Scary
    June 16, 2013
    Debt, Government
    Detroit, MI is suspending payments on $2 billion of unsecured debt, marketing parking garages and...
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    What Does Soccer Teach Us About Investing?
    June 3, 2013
    Investment Planning
    I played soccer in my youth, have children that play and love to watch the...
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    Quick Facts on Upcoming Affordable Care Act
    May 31, 2013
    Government, Health Care
    Michael Kites wrote a good summary of an article in Forbes that is worth sharing:...
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    An Endangered Species
    May 17, 2013
    Stock Market
    No, it’s not an animal or plant that is facing a high risk of extinction....
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    Haircut.. How Short Do You Want It?
    May 1, 2013
    Federal Reserve, Government, Interest Rates
    I have gotten funny looks when I have commented that the US beat Cyprus to...
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    Do You Have This Dilemma?
    April 26, 2013
    Financial Planning, Philosophy
    At times in your life it becomes very apparent that each day is a blessing....
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    Improve Your Future Success
    April 26, 2013
    Behavioral Finance, Philosophy
    “The best thing about the future is that it comes only one day at a...
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    Financial Literacy - Flunking Again
    April 23, 2013
    Behavioral Finance, Financial Planning
    This InfoGraphic came from a study by the National Foundation for Credit Counseling.  Why are...
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    Give Me An Opinion
    April 17, 2013
    Precious Metals
    We have been very amused with all the news coverage over the recent steep drop...
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    A New Type of War?
    April 4, 2013
    Government, World Events
    The new version of war could take the form of manipulating currency values as the...
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    No April's Fool
    April 1, 2013
    Interest Rates, Investment Planning
    Very good article today in the WSJ on five really dumb money moves to avoid: 1....
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    Will We Get Tax Reform?
    March 26, 2013
    Government, Politics, Taxes
    We are in the camp that this would be beneficial if the system is simplified...
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    Living in the Moment?
    March 25, 2013
    Financial Planning, Retirement Planning
    The Employee Benefit Research Institute published some alarming statistics from their most recent survey: 43% of...
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    Passionate Mind
    March 23, 2013
    Philosophy
    These are great principles created by Peter Diamandis that can be applied to anything in...
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    An Internet Minute
    March 23, 2013
    Technology
    Intel put out this graphic, which I had to share.
  • READ MORE
    Be Sticky!
    March 12, 2013
    Behavioral Finance, Stock Market
    We encourage people to maintain their long term investment objectives that meet their personal risk...
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    US Federal Budget by Family - Part 4
    February 28, 2013
    Debt, Federal Reserve, Government, Interest Rates, Politics
    This is our final post on the subject.  You can access the earlier posts by...
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    US Federal Budget by Family - Part 3
    February 27, 2013
    Government, Health Care
    Today we are going to touch on the major “flash” points in the Federal Outlays...
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    US Federal Budget by Family - Part 2
    February 25, 2013
    Economy, Government, Politics
    Our initial post gave you a backdrop on where we stood as a country per family...
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    US Federal Budget by Family - Part 1
    February 21, 2013
    Debt, Government, Taxes
    Given the attention the Federal Sequestration is currently receiving in the press and popular discourse...
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    The Energy Equation
    February 15, 2013
    Economy, Gas, Oil
    Baron’s a few weeks ago ran a piece on the resurgence of manufacturing moving back...
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    QCD
    February 10, 2013
    Charitable Giving, Tax Planning
    As part of the “fiscal cliff” tax compromise legislation passed on January 1, Congress reinstated...
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    The Stealth Tax
    February 7, 2013
    Government, Taxes
    We are only 30+ days into the new tax changes emerging from the year-end fiscal...
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    Citizens in The Dark
    February 6, 2013
    Stock Market
    I must admit that I was dumbfounded by the results of a series of studies...
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    Can Money Buy Happiness?
    January 21, 2013
    Behavioral Finance
    Actually… we believe yes, but with some caveats.  We think the key to success rests...
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    The Future is Better Than You Think
    January 20, 2013
    Books
    I am currently reading the book Abundance by Peter H. Diamandis and Steven Kotler that...
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    Baby Boom Out... Singles Boom In
    January 15, 2013
    Behavioral Finance, Government, Politics
    This is a very interesting piece by Dr. Ed Yardeni this morning…. How will this...
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    Technological Unemployment
    January 14, 2013
    Employment, Technology
    This is a great video from 60 Minutes last night that is a good follow-up...
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    Investor New Year's Resolutions
    December 31, 2012
    Behavioral Finance, Financial Planning, Taxes
    1.  Act Your Wage 2. Spend on Experiences… Not Things 3. Understand Your Tolerance For Risk 4. Stay Ahead...
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    Google Ventures
    December 27, 2012
    Technology
    They have taken a very different approach to venture-capital funds that is very intriguing.  This...
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    $3,422,534,328.36
    December 10, 2012
    Debt, Government, Politics
    The total outstanding debt of the USA was $16.369 trillion as of 11/30/12 up from...
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    Big Bucks
    December 4, 2012
    Health Care
    5% of the US population accounts for 49.5% of all health care expenditures. 10% of...
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    Household Income
    December 1, 2012
    Employment
    This is a great post from Big Picture blog that does a great job of...
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    The Buckeye Indicator
    November 5, 2012
    Politics
    The candidate that has carried the state of Ohio has won the White House for...
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    Body Surfing and Investing
    October 10, 2012
    Behavioral Finance
    I read an article by Geoff Davey with FinaMetrica that does a good job of...
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    Sad State of Affairs
    October 9, 2012
    Economy, Employment
    I feel for young kids graduating from college today. I read an article by...
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    Best of the Rest?
    October 1, 2012
    Debt, Interest Rates
    The yield on the 10-year Treasury note was 2.57% on 8/5/2011, the day that S&P...
  • READ MORE
    Good Riots?
    September 27, 2012
    World Events
    Riots in Greece… Riots in Spain… but I was caught by surprise by a NY...
  • READ MORE
    Is The Dreaded D Word on the Horizon? Vote Your Opinion
    September 13, 2012
    Federal Reserve, Interest Rates
    The inflation index for all items less food and energy has risen 2.1 percent over...
  • READ MORE
    World Debt Clock
    September 4, 2012
    Debt, Government
    World Debt ClockThe clock is ticking!This is a really cool site on the Economist that...
  • READ MORE
    Humans vs Robots
    August 23, 2012
    Education Planning, Employment
    I found this article and video on the NY Times pretty fascinating.  These advances will...
  • READ MORE
    Defining Risk... Potential for Permanent Capital Loss
    August 21, 2012
    Federal Reserve, Interest Rates, Investment Planning
    Interest rates today are inadequate for our retired clients to sustain their lifestyles…. Period.. End of...
  • READ MORE
    Housing.. The Economic Dark Horse?
    August 9, 2012
    Economy, Employment, Housing
    Yes, Europe is a mess, China’s economy may be cooling down to red-hot status, US unemployment rate...
  • READ MORE
    Call Me Maybe?
    July 30, 2012
    Debt, Interest Rates
    We do feel like you should be reaching out to your mortgage loan officer to...
  • READ MORE
    Riddles in the Dark
    July 16, 2012
    Behavioral Finance, Interest Rates, Investment Planning, Stock Market
    I am making my kids read a classic novel before the movie hits theaters this...
  • READ MORE
    Financial Masochism
    July 9, 2012
    Government, Interest Rates
    Returning from the beach to be greeted by 1.51% 10-Year U.S. Treasury yields, so I...
  • READ MORE
    Health Care is a Big Business
    June 29, 2012
    Investment Planning
    We have held an overweight to the Health Care sector for serveral years.  The Health...
  • READ MORE
    Revisiting the Health Care Tax...
    June 28, 2012
    Government, Taxes
    In light of today’s Supreme Court decision we thought it would be good timing to...
  • READ MORE
    Who Would Have Thunk It... Where Is Technology Heading?
    June 26, 2012
    Technology
    This is exerpts from the MIT Technology Review: At first glance, Thad Starner does not look...
  • READ MORE
    Black Markets... Sized Up
    June 25, 2012
    Economy, Government, Taxes
    Shadow economies – sometimes called the black market or informal economy – exist in every...
  • READ MORE
    The Small Business Tax
    June 11, 2012
    Government
    Interesting graphic from the Chamber of Commerce: Browse more infographics.  
  • READ MORE
    Future Wishes - Planning for End-Of-Life Care
    June 8, 2012
    Estate Planning, Financial Planning
    We cannot stress enough the importance of having a customized living will and health care...
  • READ MORE
    Does This Make Sense?
    May 25, 2012
    Behavioral Finance, Interest Rates, Investment Planning
    The Germans issued $5.8 Billion (in US $s) of two year notes this week with...
  • READ MORE
    Education 2.0
    May 21, 2012
    Education Planning, Tuition
    We do believe that most of the problems in the world are deeply rooted in...
  • READ MORE
    Don't Lose My Money!
    May 8, 2012
    Behavioral Finance, Investment Planning
    We have heard this statement echoed from a large number of our clients and friends....
  • READ MORE
    "Two Roads diverged in a woods..." Robert Frost
    May 2, 2012
    Economy
    This update today from Mark Grant at Southwest Securities we feel does a good job...
  • READ MORE
    How Far Have We Come?
    April 30, 2012
    Employment, Housing
      We have been placing a low probability of a rapid economic expansion in the intermediate...
  • READ MORE
    Grading the US Government 🙁
    April 20, 2012
    Debt, Economy, Government, Taxes
    As we stated in our last post our biggest worry is our government wrecking the...
  • READ MORE
    Banking System - Post Financial Crisis
    April 18, 2012
    Banks, Federal Reserve, Government
    We continue to be amazed at the hatred towards banks after the financial crisis.  The...
  • READ MORE
    Student Debt and Senior Citizens
    April 3, 2012
    Debt, Government, Tuition
    This post by Calculated Risk was a shock to us on the demographics behind student...
  • READ MORE
    Greed is Good?
    March 24, 2012
    Banks, Federal Reserve
    I loved this line from the 80’s movie Wall Street, but is it accurate?  I...
  • READ MORE
    What is a reasonable salary?
    March 20, 2012
    Taxes
    The IRS and tax courts have been increasing the number of S corporations they go after...
  • READ MORE
    Pessimism...Our Friend
    March 9, 2012
    Stock Market
    We continue to see individuals fearful of owning equities due to an aversion to potential...
  • READ MORE
    March 6, 2012
    Economy, Government, Interest Rates
    We have commented to our clients in our meetings that Japan is a real danger...
  • READ MORE
    College Tuition... Will Increases Slow Down?
    March 5, 2012
    Education Planning, Tuition
    Great piece today by Catherine Ramplell in her Economix blog on the New York Times. College tuition...
  • READ MORE
    Pick Your Choice - Pile A or Pile B
    February 28, 2012
    Precious Metals
    We have received numerous inquiries about our thoughts on precious metals over the past several...
  • READ MORE
    What Do I Pay For In a Gallon of Gas?
    February 23, 2012
    Gas, Oil
    Interesting insight from the US Energy Information Administration. The national average retail price of a gallon...
  • READ MORE
    Risk in US Treasury Securities?
    February 21, 2012
    Federal Reserve, Interest Rates
    This is a great blog post by Global Macro Monitor last week that sums up...
  • READ MORE
    Banks still are Gov't Target
    February 17, 2012
    Banks, Government, Taxes
    I received an interesting article from Tom Brown @ bankstocks.com today about the administration.  The...
  • READ MORE
    Tightened Up
    February 12, 2012
    Government, Taxes
    I read an article in Baron’s this weekend that reinforced a big fear that will...
  • READ MORE
    Housing Making a Turn?
    February 9, 2012
    Economy, Housing
    Housing contributes to GDP in two basic ways: through private residential investment and consumption spending...
  • READ MORE
    Who are the Unemployed?
    February 5, 2012
    Economy, Employment
    The soft patch in the employment picture last summer has turned around over the past...
  • READ MORE
    Common Audit Triggers
    February 4, 2012
    Financial Planning, Tax Planning
    In the spirit of tax season we found this link on the list of most...
  • READ MORE
    Hire a Financial Advisor or Go it Alone?
    January 15, 2012
    Financial Planning
    I recently ran across this response to a question by Walter Updegrave at CNN Money....
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• Landmark Advisory Group, LLC is registered as an investment adviser with the SEC, and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.
• Information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein.
• Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark.

LANDMARK FINANCIAL ADVISORS, LLC
1131 Fairview Avenue | Suite 203 | Bowling Green, KY 42103
(270) 782-9222

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