The accompanying pages have been developed by an independent third party. Touchstone Capital, Inc. is not responsible for their content and does not guarantee their accuracy or completeness, and they should not be relied upon as such. These materials are general in nature and do not address your specific situation. For your specific investment needs, please discuss your individual circumstances with your financial adviser. Touchstone Capital, Inc. does not provide tax or legal advice, and nothing in the accompanying pages should be construed as specific tax or legal advice. Investment advisory services offered through Touchstone Capital, Inc., a registered investment adviser.  Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions.