Bonds involve risk and are not suitable for all investors. Fixed income
investments are subject to various risks, including changes in interest
rates, credit quality, market valuations, liquidity, prepayments, corporate
events, tax ramifications, and other factors. This is not an offer or
solicitation for brokerage services or other products or services in
any jurisdiction where we are not authorized to do business or
where such offer or solicitation would be contrary to the securities
laws or other local laws and regulations of that jurisdiction.