4061 Powder Mill Road, Suite 705 • Calverton, MD 20705 • Phone: 301.595.8600 • Toll Free: 877.595.8605

From the Desk of Todd Wike

Dear Valued Clients and Friends,

We are pleased to announce a new addition to our staff, Meredith Gobbi. She will be replacing Sara Westrick as our new Office Manager and Marketing Coordinator. Meredith will be starting at the beginning of March and will provide the same type of support that Sara provided to our clients. As you may know, Sara has been on maternity leave caring for her new son, Carson, and has recently decided to accept a position with another company. We thank Sara for her 5 years of service to PFG and our clients and wish her the very best in her future endeavors.

Thank you for your continued trust and partnership.

Warm regards,

Todd M. Wike, CFP®
CERTIFIED FINANCIAL PLANNER™
Managing Partner, Potomac Financial Group

*An affiliate of Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. All expressions of opinion reflect the judgment of the Investment Strategy Committee and are subject to change. There is no assurance the trends mentioned will continue or that the forecasts discussed will be realized. Investing involves risk, and you may incur a profit or loss regardless of the strategy selected, including diversification and asset allocation. Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in the energy sector involves special risks, including the potential adverse effects of state and federal regulation and may not be suitable for all investors.

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