The financial markets, as well as regulatory and tax environments, are dynamic. Information accurately presented on one date could be rendered inaccurate by any number of future changes occurring outside the control of Harding Financial Group. This content is intended to be used, and must be used, for informational purposes only, and is not to be considered investment advice. You should not make financial decisions until you, or a qualified legal or financial professional retained by you, have fully reviewed your own personal circumstances prior to making such decisions. Harding Financial Group provides tailored investment advice only to individuals and families who have signed an investment advisory agreement.