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Investment Advisory Services offered through Hart Wealth Management, a Registered Investment Advisor. Registration does not imply a certain level of skill or training. 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. Hart Wealth Management's website and its associated links offer news, commentary, and generalized research, not personalized investment advice. Nothing on this website should be interpreted to state or imply that past performance is an indication of future performance. Investing involves risk, including loss of principle. No advice may be rendered by Hart Wealth unless a client service agreement is in place. All investments involve risk and unless otherwise stated, are not guaranteed. Be sure to consult with a tax professional before implementing any investment strategy.