Any opinions are those of David Hunter and Consolidated Planning Corporation and not necessarily those of Raymond James. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Investments mentioned may not be suitable for all investors. Raymond James is not affiliated with Mercer. Please note any portfolio strategies mentioned are general and investment decisions should only be made after a discussion with the appropriate professional about your individual situation.