Securities and advisory services offered through Commonwealth Financial Network, member www.FINRA.org /www.SIPC.org, a registered investment adviser. This communication is strictly intended for individuals residing in the states of AL, AR, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KY, LA, MA, ME, MI, MT, NC, NY, OH, PA, SC, TX, VA, WI, WV. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Chornyak & Associates, LTD. 716 Mt. Airyshire Boulevard, Suite 200, Columbus, OH 43235. (614) 888-2121
Certificates of deposits (CDs) typically offer a fixed rate of return if held to maturity, are generally insured by the FDIC or another government agency, and may impose a penalty for early withdrawal. An investment's (such as a bond fund's) principal and earnings are not insured or guaranteed and will fluctuate with market conditions. Real estate investments are subject to a high degree of risk because of general economic or local market conditions; changes in supply or demand; competing properties in an area; changes in interest rates; and changes in tax, real estate, environmental, or zoning laws and regulations. REIT units/shares fluctuate in value and may be redeemed for more or less than the original amount invested.
Alternative investments are not suitable for all investors as they involve substantial risk. The risks include, but are not limited to the following: no guarantee that they will reach their investment objectives; there is no public market for shares of these investments making it difficult to sell or, if sold, at a significant discount; alternative investments are highly illiquid in nature; investors could lose all or a substantial amount of their investment; they may be redeemed at less than original amount invested; higher fees and expenses may be charged which may increase the risk that returns are reduced; performance can be volatile; tax and real estate risks due to market and economic conditions may also be associated. Investors must meet specific suitability standards before investing and understand these investments are for a long-term investment horizon. Investors should note that diversification does not assure against market loss and that there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.
INVESTORS SHOULD CONSIDER THE INVESTMENT OBJECTIVES, RISKS AND CHARGES, AND EXPENSES OF THE INVESTMENT COMPANY CAREFULLY BEFORE INVESTING. THE PROSPECTUS CONTAINS THIS AND OTHER INFORMATION ABOUT THE INVESTMENT COMPANY. YOU CAN OBTAIN A PROSPECTUS FROM YOUR FINANCIAL REPRESENTATIVE. READ THE PROSPECTUS CAREFULLY BEFORE INVESTING.