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Linscomb & Williams is not an accounting firm. Nothing contained in this presentation is intended to constitute legal, tax, accounting, financial, or investment advice. Always consult with your independent attorney, tax advisor, and other professional advisors before changing or implementing any financial, tax or estate planning strategy. Indexes are unmanaged, do not include fees or expenses and are not available for direct investment. Unless otherwise explicitly stated, references to the equity market and bond market typically means the S&P 500 Index and Bloomberg Barclays Aggregate Bond Index, respectively. Please refer to Index Definitions for a complete list of benchmark descriptions.

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