Important Disclosures

• References to indexes and benchmarks are hypothetical illustrations of aggregate returns and do not reflect the performance of any actual investment. Investors cannot invest in an index and do not reflect the deduction of the advisor’s fees or other trading expenses.
• There can be no assurance that current investments will be profitable. Actual realized returns will depend on, among other factors, the value of assets and market conditions at the time of disposition, any related transaction costs, and the timing of the purchase.
• Indexes and benchmarks may not directly correlate or only partially relate to the fund as they have different underlying investments and may use different strategies or have different objectives than the fund.
• Hypothetical performance does not include all indices related to this hypothetical. It may partially relate or not at all.

• Performance may be net of applicable management fees and incentive fees. The Hypothetical Model Portfolio may be shown before custody, commissions, and any related transaction fees and expenses and may not reflect the reinvestment of dividends and capital gains.
• Different portfolios have different investment objectives and risk profiles. Any portfolio shown only relates to a select group of client accounts with the same investment objectives and risk profile. Different accounts have different risk return attributes.
• Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there can be no assurance that a portfolio will match or outperform any particular index or benchmark.
• All investment strategies have the potential for profit or loss; changes in investment strategies, contributions or withdrawals may materially alter the performance and results of a portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be suitable or profitable for a client’s investment portfolio.

• Nothing provided herein constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments.
• Investments in securities entail risk and are not suitable for all investors. This is not a recommendation nor an offer to sell (or solicitation of an offer to buy) securities in the United States or in any other jurisdiction.
• Any reproduction or distribution of this presentation, as a whole or in part, or the disclosure of the contents hereof, without the prior consent of GenNXT, is prohibited except as permitted by regulation or law.

Certain information herein has been obtained from third-party sources and, although believed to be reliable, has not been independently verified and its accuracy or completeness cannot be guaranteed. No representation is made with respect to the accuracy, completeness, or timeliness of this document. Note: Advisers have the obligation to verify third-party performance. See SEC vs. F-Squared.

• The information provided on this website is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable for their investment needs. Please refer to the disclosure and offering documents for further information concerning specific products or services.
• Certain hyperlinks or referenced websites on the Site, if any, are for your convenience and forward you to third parties’ websites. Any descriptions of, references to, or links to other products, publications, or services does not constitute an endorsement, authorization, sponsorship by, or affiliation with GenNXT with respect to any linked site or its sponsor, unless expressly stated by GenNXT. Any such information, products, or sites have not necessarily been reviewed by GenNXT and are provided or maintained by third parties over whom GenNXT exercises no control. GenNXT expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites.

• Any return figures presented herein are for illustrative purposes only and may include both gross and net performance estimates. Gross returns reflect the performance of underlying investments before the deduction of fees, expenses, and taxes. Net returns are presented after the deduction of certain assumed costs, which may include platform fees, insurance-related expenses, and estimated tax impacts in taxable accounts.
• The illustrated taxable return assumptions are based on hypothetical blended federal and state tax rates and do not reflect the actual tax circumstances of any specific investor. The tax treatment of investments varies based on individual circumstances and may change due to future legislation or regulatory developments.
• These examples are hypothetical, do not represent actual client performance, and are intended solely to demonstrate the potential impact of tax-aware structuring. Actual results will vary materially and may be lower or higher than those shown.
• Tax-advantaged results assume the policy is properly structured and maintained in compliance with applicable tax laws. Failure to meet these requirements may result in adverse tax consequences.