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The client examples, profiles, and case studies contained in this book have been fictionalized to protect individuals’ privacy and circumstances and are for illustrative purposes only. Any similarity to actual clients of any wealth advisor, firm, or organization is purely coincidental. Although the author is a credentialed wealth advisor, the opinions in this book are his alone, and do not represent the opinions of Hemenway Trust Company LLC. The content of this publication should not be interpreted as providing investment advice, investment recommendations, or investment research. Further, it should not be construed as a recommendation to buy or sell any security or financial instrument. It should not be assumed that any investment in the securities discussed will be profitable. Past performance is not a guarantee of future results or a reliable indication of future performance. Neither the author nor his collaborator is responsible for actions that a reader might take as a result of perspectives offered in this book. Readers should consult their own, privately retained wealth advisors or financial consultants for definitive advice and recommendations regarding their specific financial goals and circumstances.

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