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FOR GENERAL INFORMATION. Not to be construed or relied upon as investment, financial, or insurance advice. Equitable Advisors and its associates and affiliates do not provide market/investment research or tax, accounting, legal, credit counseling/debt management, mortgage, or real estate advice or services, and you should consult with your own such professionals accordingly. This podcast is not intended as legal or tax advice, and no tax information discussed here can be used by any taxpayer to avoid taxation or applicable tax penalties. You should seek advice based on your particular circumstances from your own tax advisor, where guidance and counsel will prevail over any statements made in this podcast. Past customer experiences are not indicative of product or service suitability or of any expected product/investment performance, may not represent the experiences of any other customer, and should not be relied upon as bases for any purchase decision. Investing involves risk, including possible loss of your principal invested. John Macielag (CA Insurance Lic. #: 0K61709) offers securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), offers investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offers annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC). Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. All Seasons Capital & Advisory is not owned or operated by Equitable Advisors or its affiliate. PPG-8991693.2(09/26)(exp.09/30)