Commentary provided for informational purposes only and should not be considered as a suggestion of any investment recommendation, investment strategy, or as an offer of advice to buy, sell, or exchange any investment product or investment vehicle. The views and opinions express are those of the authors and do not necessarily reflect the opinions of Spire Wealth Management LLC, Spire Securities, LLC or its affiliates. There can be no assurance that any investment product or strategy will achieve its investment objectives. There are risk associated with investing, including the entire loss or principal invested. Past performance is no guarantee of future results