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This is not intended to serve as a complete analysis of every material fact regarding any company, industry or security. The opinions expressed here reflect our judgment at this date and are subject to change. Information has been obtained from sources we consider to be reliable, but we cannot guarantee the accuracy. This publication is prepared for general information only. This material does not constitute investment advice and is not intended as an endorsement of any specific investment. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. Investors should seek advice regarding the appropriateness of investing in any securities or investment strategies discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. Investment involves risk. Market conditions and trends will fluctuate. The value of an investment as well as income associated with investments may rise or fall. Accordingly, investors may receive back less than originally invested Investments cannot be made in an index. Past performance is not necessarily a guide to future performance.
Taplin, Canida Habacht, LLC is a registered investment adviser and a wholly owned subsidiary of BMO Asset Management Corp which is a subsidiary of BMO Financial Corp. BMO Global Asset Management is the brand name for various affiliated entities of BMO Financial Group that provide investment management and trust and custody services. Certain of the products and services offered under the brand name BMO Global Asset Management are designed specifically for various categories of investors in a number of different countries and regions and may not be available to all investors. Products and services are only offered to such investors in those countries and regions in accordance with applicable laws and regulations. BMO Financial Group is a service mark of Bank of Montreal (BMO).
BMO Asset Management Corp BMO Private Bank, and BMO Harris Bank N.A. are affiliated companies. BMO Private Bank is a brand name used in the United States by BMO Harris Bank N A BMO Harris Financial Advisors, Inc is a member FINRA/SIPC, an SEC registered investment adviser and offers investments, advisory services and insurance products Not all products and services are available in every state and/or location.
The option adjusted spread (OAS) is the measurement of the spread of a fixed income security rate and the risk free rate of return, which is adjusted to take into account an embedded option. Basis points represent 1/100th of a percent (for example 50 bps equals 0.50%).
The Bloomberg Barclays US Aggregate Bond Index is a broad based flagship benchmark that measures the investment grade, US dollar denominated, fixed rate taxable bond market. The Bloomberg Barclays US Mortgage Backed Securities (MBS) Index tracks fixed rate agency mortgage backed pass through securities guaranteed by Ginnie Mae (GNMA) Fannie Mae (FNMA) and Freddie Mac (FHLMC)/ Bloomberg Barclays U.S Credit Index measures the investment grade, US dollar denominated, fixed rate, taxable corporate and government related bond markets. It is composed of the US Corporate Index and a non corporate component that includes foreign agencies, sovereigns, supra nationals and local authorities.
Investment products are: Not A Deposit l Not FDIC Insured l No Bank Guarantee l May Lose Value