TERMS

Investments in securities involve risk, including the potential loss of principal. Past performance is not a guarantee of future results.
 Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities, and should not be relied on as financial advice. Securities-related services may not be available in all states. Please contact our office for details.
SOCIAL MEDIA DISCLOSURE
We do not provide customer service, handle any specific customer account inquiries, or enable financial transactions through any social media site. Should any client have questions or concerns that are specific to their account(s), please contact our office directly.
 The site may contain links to information contained on a third party website. We do not endorse or accept responsibility for the content of any third party website, and are not affiliated with any social media website. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by third parties on social media sites. “Likes”, “Favorites” and comments should not be considered a reflection of client experiences or future performance. “Likes” and “Retweets” should not be considered an endorsement or recommendation of any security, company or individual.
 It is up to you to read and understand the privacy policies for each social media site. We have no control over how social media sites or other third parties will use the information you share.
CONDITIONS OF USE
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.
DISCLAIMER
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided “as is” and without warranties of any kind either expressed or implied and ICM Private Client Group disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. ICM Private Client Group does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. ICM Private Client Group does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. you (and not ICM Private Client Group) assume the entire cost of all necessary servicing, repair, or correction. the information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement. 

This website may be linked to other websites which are not maintained by ICM Private Client Group. ICM Private Client Group is not responsible for the content of those websites. the inclusion of any link to such websites does not imply approval of or endorsement by ICM Private Client Group of the websites or the content thereof.
OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to ICM Private Client Group via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of ICM Private Client Group. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. ICM Private Client Group is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to ICM Private Client Group via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
TRADEMARKS AND COPYRIGHTS
All trademarks, services marks, trade names, logos, and icons are proprietary to ICM Private Client Group. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of ICM Private Client Group. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, ICM Private Client Group. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by ICM Private Client Group. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
SOFTWARE LICENSES
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. ICM Private Client Group does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.
INDEX DEFINITIONS
Emerging Markets returns reported using MSCI EM Index, a market-cap weighted index composed of 835 large and midcap stocks across 23 "emerging market" countries. Fixed Income returns reported using the Barclays Aggregate Fixed Income Index, a market-cap weighted index composed of investment grade, USD denominated, fixed rate taxable bonds with at least 1 year maturity. The S&P 500 is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. Commodities returns reported using the Bloomberg Commodity Index, an index composed of 22 exchange-traded futures on physical commodities weighted by economic significance and liquidity. The Russell 2000 is a market-cap weighted index composed of 2,000 U.S. small-cap common stocks. Foreign Developed Markets returns reported using MSCI EAFE, a market-cap weighted index composed of 928 large and midcap stocks across 21 developed market countries (excluding the U.S. and Canada). 10 Year Treasury Yield reported using data from the U.S. Department of the Treasury (www.treasury.gov). Market indices listed are unmanaged and are not available for direct investment.
DATA SOURCES
Unless otherwise noted, data sources include: Economic: Based on data from U.S. Bureau of Labor Statistics (unemployment, inflation); U.S. Department of Commerce (GDP, corporate profits, retail sales, housing); Performance: Based on data reported by J.P. Morgan (Guide to the Markets); U.S. Treasury (Treasury yields); U.S. Energy Information Administration/ Bloomberg.com/ Market Data (oil spot price, WTI Cushing, OK). News items are based on reports from multiple commonly available international news sources (i.e. wire services) and are independently verified when necessary with secondary sources such as government agencies, corporate press releases, or trade organizations. All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness. Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities, and should not be relied on as financial advice. Past performance is no guarantee of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing strategy will be successful.

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Securities offered through SagePoint Financial, Inc., a registered broker dealer member FINRASIPC Investment advisory services offered through SagePoint Financial,Inc., a registered investment advisor. Certain insurance products offered through ICM Private Client Group, Inc. ICM Private Client Group, Inc. is a separate company from SagePoint Financial, Inc. Insurance License Number: 0I92424This communication is strictly intended for individuals residing in the states of AK, AL, AZ, AR, CA, CO, CT, DC, FL, GA, HI,IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC,ND, NE, NH,NJ, NM, NY, NC,ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, and WY. No offers may be made or accepted from any resident outside the specific states referenced.IMPORTANT CONSUMER INFORMATION:A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
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