Byron W. Ellis, CFP®, CLU®, ChFC®, is a CERTIFIED FINANCIAL PLANNER™ professional and Managing Director of United Capital Financial Advisers, LLC, a Financial Life Management firm. The information contained in this document is intended for information only and is not a recommendation, and should not be considered investment advice. Please contact your financial advisor with questions about your specific needs and circumstances. The opinions expressed herein are those of Byron Ellis and not necessarily those of United Capital Financial Advisers, LLC. Investing involves risk, including the possible loss of principal.