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All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. Some of the articles, research and ratings shown in this presentation come from third parties that are not affiliated with Mercer Advisors. The information is believed to be accurate, but is not guaranteed or warranted by Mercer Advisors. Content, research, tools and stock or option symbols are for educational and illustrative purposes only and do not imply a recommendation or solicitation to buy or sell a particular security or to engage in any particular investment strategy. For financial planning advice specific to your circumstances, talk to a qualified professional at Mercer Advisors. Past performance may not be indicative of future results. The articles and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. Entire publication © 2021 by Mari Adam. All rights reserved.