This communication is for informational purposes only and is not intended to provide legal, accounting, tax, investment, financial or other advice and such information should not be relied upon for providing such advice. Any comments, statements or opinions made herein are those of the author and do not necessarily reflect those of Cumberland Investment Counsel Inc. (CIC) or Cumberland Private Wealth Management Inc. (CPWM). Reasonable efforts have been made to ensure that the information contained herein is accurate, complete and up-to-date; and the information is subject to change without notice. The communication may contain forward-looking statements which are not guarantees of future performance. Forward-looking statements involved inherent risk and uncertainties, so it is possible that predictions, forecasts, projections and other forward-looking statements will not be achieved. All opinions in forward-looking statements are subject to change without notice and are provided in good faith but without legal responsibility. CPWM may engage in trading strategies or hold long or short positions in any of the securities discussed in this communication and may alter such trading strategies or unwind such positions at any time without notice or liability. Past performance does not guarantee future results. Cumberland Private Wealth is a registered trade name of Cumberland Private Wealth Management Inc. and Cumberland Investment Counsel Inc. which are affiliated entities.