VL Capital Management LLC is a registered investment adviser. All information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.

The examples and tables are meant solely to illustrate strategies employed by VL Capital Management LLC. Results should under no circumstances be taken as an expectation of similar profits or returns in the future. Past performance is not necessarily an indication of future returns. Inclusion of index information is not intended to suggest that its performance is equivalent or similar to that of the historical investments whose returns are presented or that investment with our firm is an absolute alternative to investments in the index (if such investment were possible). Investors should be aware that the referenced benchmark funds may have a different composition, volatility, risk, investment philosophy, holding times, and/or other investment-related factors that may affect the benchmark funds’ ultimate performance results. Therefore, an investor’s individual results may vary significantly from the benchmark’s performance.

For additional regulatory information please visit the SEC’s Investment Advisor Public disclosure site: www.adviserinfo.sec.gov.