Dividends are not guaranteed and must be authorized by the company’s board of directors. Investing involves risk and you may incur a profit or loss regardless of the strategy selected. Be sure to contact a qualified professional regarding your particular situation before making any investment strategy decision. Past performance may not be indicative of future results.

Investors should consider the investment objectives, risks, and charges and expenses of funds carefully before investing. The prospectus contains this and other information about funds. The prospectus is available from the fund company and should be read carefully before investing.

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Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP, Certified Financial PlannerTM, CFP (with flame design), CFP (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.