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The following analysis was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its contents.

Howard Capital uses an internal index, HCM-BuyLine®, which is driven by a privately developed algorithm, to seek to identify and compare market up/down trends to determine what percentage of an SMA should be held in stocks vs. bonds or cash, given the account’s risk profile. As the market trends up, the index turns positive, and stock positions are increased. As the market trends down, the index turns negative, and stock positions are decreased. HCM-BuyLine® does not attempt to determine exact highs and lows in the stock market, nor is it a market timing service. Rather it seeks to identify trends to help guide the firm to make its allocation decisions. It is not a flawless tool, and risks are inherent. So, to better understand HCM-BuyLine®, the risks associated therewith, including the potential for loss of capital, and to learn more about Vance Howard’s background and qualifications and Howard Capital Management, visit the firm’s website.

The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management

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The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its contents. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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Merry Christmas everyone. We love and appreciate each of you. Blessings to you and your families this holiday season! – Noel, Jeff, and Dax

_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides money management services through our firm, Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}

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_{^{The analysis that follows was written by Vance Howard, CEO of Howard Capital. Howard Capital provides our firm with money management services through Houston Wealth Advisers, LLC, a Registered Investment Adviser (RIA). We make this post available as a courtesy, but wish to note that we have not contributed to, nor are we responsible for, its content. The information contained in this analysis should not be considered investment advice, an offer to purchase any security or investment, or a solicitation of any kind. Consult your financial adviser, review all materials and prospectuses, and consider all risks before making any investment. Noel R. Vincent, Managing Partner & Chief Investment Officer – Senior Partners Private Wealth Management}}