The information contained in this report does not purport to be a complete description of the securities or developments referred to in this material. Investing involves risk. Any information is not a complete summary or statement of all available data necessary for making an investment decision & does not constitute a recommendation. Any opinions are those of Jeff Fehrman or Will Caywood & not necessarily those of RJFS or Raymond James. RMD's are generally subject to fedearl income tax and may be subject to state taxes. Consult your tax advisor to assess your situation.