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Securities offered through American Portfolios Financial Services, Inc.(APFS) Member FINRA /SIPC. Investment Advisory Services offered through Novem Group and American Portfolios Advisors, Inc. (APA) SEC Registered Investment Advisors. Froehlich Financial Group is independent business entities with Novem Group, APFS and APA.

Any opinions expressed in this forum are not the opinion or view of APFS, APA, or Novem Group, and have not been reviewed by the firms for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk, and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

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