The statements and opinions expressed in this podcast has been authored by an affiliate of BNY Mellon Wealth Management, are subject to change as economic and market conditions dictate, and may differ from those of BNY Mellon Wealth Management, The Bank of New York Mellon Corporation or its other business lines. This podcast is of general nature, does not constitute investment advice, is not predictive of future performance, and should not be construed as an offer to sell or a solicitation to buy any security or service where otherwise unlawful. The information has been provided without taking into account the investment objectives, financial situation or needs of any particular person. This podcast may not be published in hard copy, electronic form, via the web or in any other medium accessible to the public, unless authorized by BNY Mellon Wealth Management. ©2019 The Bank of New York Mellon Corporation. All rights reserved.