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There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification may not eliminate the risk of experiencing investment losses.

ETFs can entail market, sector, or industry risks similar to direct stock ownership, and trading prices may not reflect the actual net asset value of the underlying securities. ETFs are subject to market, exchange rate, political, credit, interest rate and prepayment risks, which vary depending on the type of ETF.

One can not directly invest in an Index or one of the model index portfolios. Provident Capital Management, Inc. and other third parties may attempt to match the holdings and seeks to duplicate the results of an index. Performance in client accounts will not match the performance of an index or portfolio as a result of, but not limited to slippage, trading cost, and fees.

Provident Capital Management provides discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the   Provident Capital Management Disclosure Brochure ADV Part 2A March 2019.