In today's fast-paced world, financial literacy is more important than ever. The ability to manage money effectively, invest wisely, and make informed financial decisions can shape your future, helping you prepare for life's ups and downs. Yet, many people feel overwhelmed by complex financial concepts or need help figuring out where to start.

The good news is that countless free financial literacy courses are available online. These courses, along with advice from a licensed wealth advisor, can help you as you work to take control of your financial well-being. Whether you're a retiree looking to brush up on your investment knowledge or a working professional looking to improve your budgeting skills, there's a course out there for you. And the best part? You can access some of these valuable resources for free!

It’s important to remember that while online courses can help you improve on your financial literacy, it is important to discuss your financial situation with a licensed wealth advisor. An advisor can help create a financial plan customized for you and your unique situation.

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This communication is for information and educational purposes only. This is not a recommendation for the sale or investment in any product or strategy or to be perceived as individual advice. Information presented has been prepared from sources believed to be reliable but is not guaranteed and does not represent all available data necessary for making investment decisions. Economic and market forecasts presented herein reflect a series of assumptions and judgments as of the date of this presentation and are subject to change without notice. Forecasts do not consider the specific investment objectives, restrictions, tax and financial situation or other needs of an individual. Actual data will vary and may not be reflected here. Accordingly, these forecasts should be viewed as merely representative of a broad range of possible outcomes. The opinion expressed by this individual is based on facts and circumstances known at this time, is subject to change and does not reflect the opinions of all financial professionals of XML.