*Advisory Services are offered through Inspire Investing, LLC, a Registered Investment Adviser with the SEC. All expressions of opinion are subject to change. This article is distributed for educational purposes, and it is not to be construed as an offer, solicitation, recommendation, or endorsement of any particular security, products, or services. Investors should talk to their financial advisor prior to making any investment decision.

This article is intended solely for use with sophisticated investors, financial professionals, or institutional clients who are familiar with the limitations of financial projections and forward-looking investment models. It is not intended for retail distribution.

All return expectations, capital market assumptions, and hypothetical portfolio outcomes presented are illustrative, based on proprietary models and current market conditions as of the date noted. These projections are not guarantees of future performance, and actual results may differ materially due to various risks and uncertainties, including changes in market conditions, interest rates, inflation, and geopolitical events.Hypothetical performance results have inherent limitations and are based on assumptions that may not reflect actual trading or investor experience. These projections do not represent actual client accounts, nor are they intended to indicate future performance of any specific strategy or product. Inspire does not represent that any account will achieve results similar to those shown.

The strategic portfolio allocations discussed may include investments in proprietary Exchange Traded Funds (ETFs) advised by Inspire Investing, LLC. Because Inspire receives management fees from these funds, a conflict of interest exists. Inspire seeks to mitigate this conflict through policies and procedures designed to ensure that recommendations are made in the best interest of clients and based on their unique objectives and risk tolerance. Additional information about this conflict is available in Inspire’s Form ADV Part 2A, available at www.adviserinfo.sec.gov.

Investment decisions should be made based on individual goals, time horizons, and risk tolerance. No portion of this article should be interpreted as personalized investment, legal, or tax advice. Please consult a qualified financial professional before implementing any investment strategy.