Financial Perspectives is a fee-only, independent, financial advisory firm located in the San Francisco Bay Area city of San Ramon, CA. We specializes in helping individuals and families make sense out of the complex world of investments and financial planning. In essences, we help clients build their wealth and plan for their future. Financial Perspectives, Inc. (“FPI”) is a California state registered fee only, independent investment adviser. The information provided herein is for informational purposes only. It is not investment advice, a recommendation or a solicitation for purchase or sale of any security or other instrument. Any perceived advice or recommendation that may be contained herein has not been based upon a consideration of the investment objectives, financial situation or particular needs of any specific recipient. Therefore readers should base any investment or financial decision on their own analysis or consult with their financial professional. Past performance is not indicative of future results. FPI employees may hold long or short positions in the securities or instruments mentioned. FPI and its employees do not give or accept endorsements.