Thomas L. Wentling Jr. is a Financial Advisor with UBS Financial Services Inc., a subsidiary of UBS AG, Member FINRA/​SIPC, 5600 Walnut St., Pittsburgh, PA 15232. The information contained in this article is not a solicitation to purchase or sell investments. Any information presented is general in nature and not intended to provide individually tailored investment advice. The strategies and/​or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Investing involves risks and there is always the potential of losing money when you invest. The views expressed herein are those of the author and may not necessarily reflect the view of UBS Financial Services Inc. Yield is the income return on an investment. This refers to the interest or dividends received from a security and are usually expressed annually as a percentage based on the investment’s cost, its current market value or its face value. Diversification does not guarantee a profit or protect against a loss in a declining financial market. As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs​.com/​w​o​r​k​i​n​g​w​i​t​h​u​s.