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The views stated in this video are not necessarily the opinion of Cetera Wealth Services, LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Due to volatility within the markets mentioned, opinions are subject to change without notice. Information is based on sources believed to be reliable; however, its accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. Kerry Lutz is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by him is in no way related to Cetera Wealth Services, LLC or its registered representatives.

The information presented is intended solely for educational purposes and is not intended as, nor should it be construed as, investment advice or a recommendation to buy or sell any security or investment strategy. Please consult your financial professional to determine what may be appropriate for your individual financial situation and objectives.

Distributions from traditional IRAs and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty. A Roth retirement account offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth account must be in place for at least five tax years, and the distribution must take place after age 59½, or due to death or disability. Depending on state law, Roth account distributions may be subject to state taxes.                                                                                                                                                                                                                                                                 
Investors should consider the investment objectives, risks and charges, and expenses of mutual funds carefully before investing. The prospectus, which contains this and other information about the funds, can be obtained directly from the company or from your financial professional. The prospectus should be read carefully before investing or sending money.
Note: This disclosure must be in at least the same size type as the main body of the page, and in italics and bolded.

The target date of a target date fund may be a useful starting point in selecting a fund, but investors should not rely solely on the date when choosing a fund or deciding to remain invested in one. Investors should consider funds’ asset allocation over the whole life of the fund. Often target date funds invest in other mutual fund and fees may be charged by both the target date fund and the underlying mutual funds. The principal value of these funds is not guaranteed at any time, including at the target date.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.