"I am passionate about helping people achieve their own unique version of financial freedom. I have been an adjunct professor at the University of Maryland and enjoy speaking to people of all ages about the importance of financial education and financial planning." For more information please visit my website, www.PotomacWealth.com. Securities and Investment Advisory Services offered through H.Beck, Inc., Member FINRA/SIPC. 6600 Rockledge Drive, 6th Floor, Bethesda, MD 20817 301.468.0100. Potomac Wealth Advisors, LLC is not affiliated with H.Beck, Inc. H.Beck, Inc., does not endorse nor is it affiliated with the mentioned third parties and/or their links. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. This information should not be relied upon by the readers as research or investment advice nor should it be construed as a recommendation to purchase or sell a security. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. Diversification and asset allocation do not guarantee against loss. They are methods used to manage risk. International investing involves special risks such as currency fluctuation, lower liquidity, political, social and economic uncertainties and differences in accounting standards. Risks of foreign investing are generally intensified for investments in emerging markets. The Dow Jones Industrial Average (DJIA) is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The average is comprised of 30 stocks that represent leading companies in major industries. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. NASDAQ Composite Index is a market-valued weighted index, which measures all securities listed on the NASDAQ stock market. The Russell 2000 Index is a small cap stock market index of the bottom 2,000 stocks in the Russell 3000 Index.