The information contained in this email and its attachments is privileged and confidential and intended solely for the use of the intended recipient(s), may be used solely for the purpose for which it was sent and may contain proprietary information. If you are not an intended recipient, or a person responsible for delivering it to an intended recipient, please notify the author by replying to this email and delete the email and attachments immediately. Any unauthorized copying, disclosure, retention, or distribution of this email, its contents or its attachments, or taking any action in reliance thereon, is strictly forbidden. Message transmission is not guaranteed to be secure.  This message does not constitute, tax or legal advice, or an offer or solicitation with respect to the purchase or sale of any security in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it would be unlawful to make such offer or solicitation. Past performance does not guarantee future returns. No representation, guarantee or warranty is provided as to the correctness, completeness or timeliness of information provided in this message, which information may be based upon assumptions, may change without notice and should not be relied upon in making an investment decision. Zhang Financial LLC does not accept any liability whatsoever for any direct, indirect or consequential loss arising from any actions undertaken in reliance on the content of this email or its attachments. Zhang Financial LLC is a registered investment adviser registered with the Securities and Exchange Commission. Registration with the SEC as an investment adviser does not imply a certain level of skill or training. Custody services and other brokerage services provided to clients of Zhang Financial LLC are offered by LPL Financial, TD Ameritrade and Charles Schwab & Co. Inc., Members SIPC.