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This is not, and shall not constitute an offer to sell, a solicitation of an offer to buy or an offer to purchase any securities, nor should it be deemed to be an offer, or a solicitation of an offer, to purchase or sell any investment product or service.

Any ideas or strategies discussed should not be undertaken by any individual without prior consultation with a financial professional for the purpose of assessing whether the ideas or strategies that are discussed are suitable to you based on your own personal financial objectives, needs and risk tolerance. 12:ONE, LLC, dba as Cloud of Wit — the creator of uwitdaily™ — expressly disclaims any liability or loss incurred by any person who acts on the information, ideas or strategies discussed herein.