OVERALL GENERAL DISCLOSURE:

Investment advisory services are offered through Higher Impact Financial, LLC, a registered investment advisor.

Higher Impact Financial, LLC is a registered investment advisor.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities, and past performance is not indicative of future results.  Investments involve risk and are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.

GENERAL ARTICLES:

Higher Impact Financial, LLC is a registered investment adviser based in Riverside, California. For additional information about Higher Impact Financial, LLC, you can access a copy of our Form ADV Disclosure Brochure, at HIGHER IMPACT FINANCIAL, LLC - Investment Adviser Firm (sec.gov). This Disclosure Brochure will provide you with a full description of the firm’s business operations and services.

This article should not be interpreted or construed as any of the following, investment, legal, tax, financial planning, or wealth management advice. It does not substitute for personalized investment or financial planning from Higher Impact Financial, LLC. This article conveys the views and opinions of its author, and the information herein should not be considered a solicitation to engage in a particular investment or financial planning strategy.

COMMENTARY:

Investment advisory services are offered by Higher Impact Financial, LLC, a registered investment advisor.  Opinions expressed are as of the current date and subject to change without notice, and data may be obtained from third party sources we believe are reliable.  Higher Impact Financial, LLC shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, the information, data, analyses or opinions contained herein or their use, which do not constitute investment advice, are provided as of the date written, are provided solely for informational purposes and therefore are not an offer to buy or sell a security. This commentary is for informational purposes only and has not been tailored to suit any individual. References to specific securities or investment options should not be considered an offer to purchase or sell that specific investment.

This commentary contains certain forward-looking statements. Forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results to differ materially and/or substantially from any future results, performance or achievements expressed or implied by those projected in the forward-looking statements for any reason.

No graph, chart, or formula in this presentation can be used in and of itself to determine which securities to buy or sell, when to buy or sell securities, whether to invest using this investment strategy, or whether to engage Higher Impact Financial, LLC’s investment advisory services.

Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Any securities mentioned in this commentary are not FDIC-insured, may lose value, and are not guaranteed by a bank or other financial institution. Before making any investment decision, investors should read and consider all the relevant investment product information. Investors should seriously consider if the investment is suitable for them by referencing their own financial position, investment objectives, and risk profile before making any investment decision. There can be no assurance that any financial strategy will be successful.