Note: Opinions and views expressed by John Buckingham or any other AFAM employee in any video clip constitutes judgment as of the date of filming and is subject to change. Opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual. Past performance is no guarantee of future results. Any investment is subject to risk and possible loss of principal. This material is not an offer to sell a security or a solicitation or an offer to buy a security. Consult with an investment advisor.