Follow us on LinkedIn at Nicolet National Bank. https://www.linkedin.com/company/nicolet-national-bank/ We build solutions to grow your wealth. Investment and insurance products: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Are Not Deposits Are Not Guaranteed by Any Federal Government Entity Are Not a Condition to Any Banking Service or Activity Nicolet Advisory Services, LLC, is an investment adviser, registered with the U.S. Securities and Exchange Commission, and an affiliate of Nicolet National Bank. Advisory services offered through Nicolet Advisory Services, LLC, a Registered Investment Advisor. Securities and insurance products offered through Private Client Services ("PCS"), member FINRA/SIPC. PCS is not affiliated with Nicolet National Bank, Nicolet Wealth Management or Nicolet Advisory Services. Trust services are offered through Nicolet National Bank, a national bank with trust powers. Past market activity is not indicative of future results, and changes in any assumptions may have a material effect on projected outcomes. Investing in securities entails risk, and the potential for losing money always exists when investing in securities. Asset allocation, rebalancing, and asset diversification will not ensure account protection in a declining market, and cannot be relied upon to enhance gains in a rising market. Neither Nicolet Advisory Services nor its affiliates offer tax or legal advice. Investors should consult with their legal and tax professionals before making investment decisions.