The material we share is general in nature and is not tailored to any specific investor’s financial situation,
objectives, or risk tolerance. Content is for informational purposes only and is not a recommendation or
advice and does not constitute an offer to sell or a solicitation of an offer to buy any security or to enter
into any advisory relationship.
The WealthGarden f.s. does not provide tax or legal advice.
Past performance is not indicative of future results. Investing involves risk, including the potential loss of
principal.
Diversification does not ensure a profit or guarantee against a loss.
Investments and strategies mentioned are not suitable for all investors. Opinions are based on current
market conditions and are subject to change.
No one can predict or project performance, and forward-looking statements are not guarantees.
Any reference to market index information is for illustrative purposes only. Indexes are unmanaged, and it
is not possible to invest directly in an index.
Index Definitions:
Russell 3000 – Index comprised of 3,000 largest U.S. stocks by market capitalization.
Russell 1000 – Index comprised of 1,000 largest U.S. stocks by market capitalization.
Russell 2000 – Index comprised of 2,000 smaller U.S. stocks by market capitalization within the Russell
3000.
S&P 500 – Compilation of 500 major U.S. stocks meeting certain criteria; market capitalization and float-
weighted.
MSCI All Country World – Global equity index across market capitalizations with about 2,800 constituents,
representing about 85% of the free float-adjusted market capitalization across 23 developed and 27
emerging markets.
MSCI All Country World ex USA – Global equity index across market capitalizations, which excludes the
U.S., with about 2,300 constituents which represents free float-adjusted market capitalization across 22
developed and 27 emerging markets.
MSCI Europe, Asia & Far East (EAFE) – International equity index across market capitalizations, which
excludes North America, with about 840 constituents which represents free float-adjusted market
capitalization across 21 developed markets.
MSCI Emerging Markets (EM) – International equity index across market capitalizations with about 1,400
constituents which represents free float-adjusted market capitalization across 27 emerging markets.
Bloomberg U.S. Aggregate Bond – Widely followed bond benchmark comprised of investment grade,
U.S. dollar denominated, fixed rate taxable bonds including Treasuries, government-related, corporate,
mortgage-backed, and agency.
Bloomberg Municipal Bond – Broad benchmark of the US municipal tax-exempt investment grade bond
market.
Bloomberg Municipal High Yield Bond – U.S. index of municipal bonds that are either not rated or rated
below investment grade.
Bloomberg U.S. Corporate High Yield Bond – Index of fixed rate U.S. dollar denominated corporate bonds
rated BB+ or below by Fitch and S&P.
Any estate plan should be reviewed by an estate planning attorney licensed to practice law in your state.