Information and interactive calculators are made available to you as educational self-help tools for your independent use and are not intended as ERISA, tax, legal or investment advice. We cannot and do not guarantee their applicability
or accuracy with regard to your individual circumstances. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. All examples are hypothetical
and for illustrative purposes. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing.