State of the Markets – 2/19

Byaaronmat-admin February 23, 2015

State of the Markets State of the Markets with Gary K Please call 888-422-5559 for

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Gary Kaltbaum owns Kaltbaum Capital Management, LLC (“KCM”), a state registered investment adviser. The opinions expressed herein are those of Mr. Kaltbaum and may not reflect those of KCM. The information offered in this publication is general information that does not take into account the individual circumstances, financial situation or individual needs of an investor. The information herein has been obtained from sources believed to be reliable, but we cannot assure its accuracy or completeness. Neither the information nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Any reference to past performance is not to be implied or construed as a guarantee of future results.

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