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Please note that all investing entails risk including the loss of principal. Fixed income securities are subject to risks that will affect their value prior to maturity. Some of these risks can be related to changes in market conditions, issuer creditworthiness, and interest rates. Commentary is not a recommendation to buy or sell a specific security. The testimonials provided may not represent the experience of all customers and are no guarantee of performance or future success. All references to tax-free income refer to U.S. federal income tax. Income earned by certain investors may be subject to the Alternative Minimum Tax (AMT), and or taxation by state and local authorities. Please consult with your tax professional prior to investing. For more information on these topics please click on the “Bond Basics” link above.