This e-mail [and all information contained or attached] is confidential and privileged communication for the sole use of the intended recipient(s). Access to this e-mail by anyone else is unauthorized. If you are not the intended recipient of this message please be aware that any disclosure, copying, distribution or other use of this information is unauthorized and may be unlawful. If you have received this transmission in error please notify the sender immediately by replying to this message and then permanently delete the communication from your computer and/or network systems. Please note: E-mail is not a secure transmission medium and should not be used to communicate confidential information. If you elect to send or receive information via e-mail, UMA Financial Services and its affiliates cannot assure its security and will not be liable if it is intercepted or viewed by another party. All email may be retained as required by law or regulation.

Investors should consult with an investment advisor to determine the appropriateness of any investment vehicle.  Investment decisions should always be made based on the investor’s specific financial needs and objectives, goals, time horizon and risk tolerance. The statements and opinions contained herein are those of UMA Financial Services and are based upon the opinions of UMAFS and third party sources.  Information obtained from third party sources is believed to be reliable but not guaranteed.  All opinions and views constitute our judgments as of the date of this writing and are subject to change at any time without notice.  Past performance is not a guarantee of future results.  UMA Financial Services, 2016