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David Giegel

Hearthwell Financial Financial Advisor

https://www.hearthwellfinancial.com 205-917-0788 David@HearthwellFinancial.com

4000 Eagle Point Corporate Drive Birmingham, AL 35242

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

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The views expressed represent the opinion of Hearthwell Financial. The views are subject to change and are not intended as a forecast or guarantee of future results. This material is for informational purposes only. Information provided in this presentation is not intended to be, nor should it be construed or used as investment, tax or legal advice, a recommendation, an offer to sell, and/or a solicitation of an offer to buy an interest in any security. Stated information is derived from proprietary and nonproprietary sources that have not been independently verified for accuracy or completeness. While Hearthwell Financial and Sowell Management believe the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability. Statements of future expectations, estimates, projections, and other forward-looking statements are based on available information and Hearthwell Financial’s and Sowell Management’s view as of the time of these statements. Accordingly, such statements are inherently speculative as they are based on assumptions that may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements. Investing in securities involves risks, including the potential loss of principal. While equities may offer the potential for greater long-term growth than most debt securities, they generally have higher volatility. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from differences in generally accepted accounting principles, or from economic or political instability in other nations. Past performance is not indicative of future results. Advisory services offered through Sowell Management, a registered investment adviser with the U.S. Securities and Exchange Commission (‘SEC’). Being registered with the SEC does not imply a certain level of skill or training. Both Sowell Management and Hearthwell Financial are independently owned and operated.