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The financial plan involves a cost, which may vary depending on the plan. The suggestions and recommendations included in the client’s financial plan are offered as financial guidance and without guarantee regarding the performance of any insurance or investment product that may be purchased according to these recommendations. Banco Popular de Puerto Rico, its subsidiaries, and affiliates do not provide legal, accounting, or tax advisory services. If you require legal, accounting, or tax advisory services, you should consult with a professional specialized in these areas. Investment and insurance products are not insured by the FDIC or any government agency, are not deposits or obligations of, nor are they guaranteed by Banco Popular de Puerto Rico, its subsidiaries, and/or affiliates; they involve risk and may lose value, including the loss of the principal invested.