This material is for informational purposes only and does not constitute investment advice or a recommendation. All investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Please review the factsheet, platform guide, or one-pager for details. Q3 cannot guarantee success of any investments. Investments and investment recommendations made by Q3 may result in losses. Mutual Funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. Changes in investment strategies, contributions or withdrawals may materially alter the performance results of investment portfolios. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be equal to past performance level, equal to any corresponding indicated historical performance level(s), suitable for an investor’s portfolio or individual situation.

*Refers to a historical/model allocation metric and is approximate. “Cash” generally means cash or cash equivalents (such as money market instruments), and allocations may change at any time. Cash and cash equivalents are not risk-free and may not keep pace with inflation. Actual client experience can differ due to implementation timing, trading/transaction costs, taxes, account restrictions, and other factors.

**Based on historical results and are not guaranteed. Drawdown measured monthly. “Drawdown” typically refers to a peak-to-trough decline; future drawdowns may be larger than those shown, and recoveries may take longer or may not occur. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.

***Source: Morningstar as of 6.30.2025 The Morningstar Rating TM for funds, or "star rating", is calculated monthly for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is a risk-adjusted measure derived from a fund's three-, five-, and 10-year risk-adjusted performance figures (if available). The top 10% of funds in each category receives 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. Past performance is no guarantee of future results.