All investments involve risk, including the potential loss of principal. Diversification, asset allocation, and rebalancing strategies in portfolio management do not assure a profit or guarantee against loss. There is no assurance that any investment strategy will achieve its objectives. Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc. Capital Pulse Financial Corporation Ltd. is a Toronto-based Canadian company, registered with FINTRAC MSB in Canada and offers all investment-related services. Many employees of Capital Pulse Financial Corporation Ltd. in the United States hold the CFP® certification marks, CERTIFIED FINANCIAL PLANNER™ certification marks, and the CFP® certification marks (with plaque design) and are authorized for use by individuals who have successfully completed CFP Board's initial and ongoing certification requirements. CFA® and Chartered Financial Analyst® are registered trademarks owned by the CFA Institute.