This Web site is published as a general information source and is not intended to constitute tax, legal or investment advice in any particular matter. All investments involve risk including loss of principal. Past performance is not necessarily indicative of future performance. This information does not constitute a solicitation for service. The information contained herein was obtained from sources that Carpenter Associates believe are reliable, but they do not guarantee its accuracy. You may request more information about Carpenter Associates and its services by requesting a copy of the firm's most recent Form ADV Part II as filed with the Securities and Exchange Commission.