Sherman Asset Management uses its proprietary forecasting program of trading Exchange Traded Funds (“ETFs”) and/or individual stocks. The factors used for trading decisions under this program are based upon recent price movements for the ETFs and/or stocks, and are not based on fundamental analysis. This strategy is designed to take advantage of short-term price fluctuations and inefficiencies. The program is not suitable for all potential clients. Your participation depends on factors, including but not limited to, the size of your portfolio, the nature of your tax liabilities, and your ability and willingness to take on risk.