Market Review - January 2022

“Your Best Life Realized”

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Proudly Serving our San Diego Community, and the states listed below

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The information provided in third party links are from sources we believe to be reliable. However, we cannot guarantee that it is accurate or complete. Opinions are those of the author and are not necessarily those of Phase Four Financial Solutions or Independent Financial Group and are subject to change without notice.

Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites.

Registered Representative offering securities & advisory services through Independent Financial Group, LLC (IFG), a registered broker-dealer & investment advisor. Member FINRA/SIPC. Phase Four Financial Solutions & IFG are unaffiliated entities. OSJ Branch: 12671 High Bluff Dr. Suite 200 San Diego, CA 92130

Licensed to sell securities in the following states: AZ, CA, CO, FL, GA, HI, IA, ID, LA, MD, MI, MN, MO, MS, NV, OR, TN, TX, UT, VA, WA, & WY. No investment strategy can guarantee a profit or protect against loss.

Jeff Boyd, CA Insurance License #0C53243. Insurance and annuities are products of the insurance industry. Guarantees are subject to the claims-paying ability of the insurance company and surrender charges may apply if money is withdrawn before the end of the contract. Please keep in mind Insurance companies alone determine insurability, and some people, for their own health or lifestyle reasons, are deemed uninsurable.