Pavlos Panagopoulos LIVE on Jeffrey Candelaria Take a Listen to our last sessionTake a listen to Pavlos Panagopoulos LIVE on the Jeffrey Candelaria Show as he goes over what has been happening within the financial markets around the world that may affect you and your portfolio as well as any strategies or insight that you may take advantage of. Link to latest show:Pavlos Live with Jeffrey Candelaria 11/13/2021Disclosure: The target date of a target date fund may be a useful starting point in selecting a fund, but investors should not rely solely on the date when choosing a fund or deciding to remain invested in one. Investors should consider funds' asset allocation over the whole life of the fund. Often target date funds invest in other mutual funds and fees may be charged by both the target date fund and the underlying mutual funds. The principal value of these funds is not guaranteed at any time, including at the target date.Previous Radio Shows:Pavlos Live with Jeffrey Candelaria 8/21/2021Pavlos Panagopoulos Live 2/13/2021 part 1Pavlos Panagopoulos Live 2/13/2021 part 2Pavlos Panagopoulos Live 2/13/2021 part 3Pavlos Panagopoulos Live 2/13/2021 part 4Pavlos Panagopoulos LIVE 11-7-2020Pavlos Panagopoulos Live 8/1/2020Pavlos Panagopoulos Live With Jeffrey Candelaria 05/16/2020Pavlos Panagopoulos Live 03/28/2020Year End Report W/ Pavlos and Jeffery12/14/19Pavlos Panagopoulos Live 9/7/19Pavlos Panagopoulos Live 5/18/19Pavlos Panagopoulos Live 3/2/19Pavlos Panagopoulos Live on Jeffery Candelaria 7/7/18Year End Jeffery Candelaria ShowPavlos Panagopoulos LIVE on Jeffery Candelaria Show 6/24/17Opinions expressed on the radio show and are not endorsed by the named broker dealer or its affiliates. All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. This show is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.Indices are unamanged and cannot be invested into directly. Past performance is not indicative of future results.The Dow Jones Industrial Average is a price-weighted average of 30 significant stocks traded on the New York Stock Exchange and the NASDAQ. The DJIA was invented by Charles Dow back in 1896.The Nasdaq Composite is an index of the common stocks and similar securities listed on the NASDAQ stock market and is considered a broad indicator of the performance of stocks of technology companies and growth companies.Additional risks are associated with international investing, such as currency fluctuations, political and economic stability, and differences in accounting standards. The return and principal value of bonds fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value.A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal or earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59 ½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes.Before investing, the investor should consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan.Please note: Cetera Advisor Networks LLC is not registered to offer direct investments into commodities or futures. Instead, we provide access to this asset class via mutual funds, exchange-traded funds (ETFs) and the stocks of associated companies. Investments in commodities may be affected by the overall market movements, changes in interest rates and other factors such as weather, disease, embargoes and international economic and political developments. Commodities are volatile investments and should form only a small part of a diversified portfolio. An investment in commodities may not be suitable for all investors. The target date of a target date fund may be a useful starting point in selecting a fund, but investors should not rely solely on the date when choosing a fund or deciding to remain invested in one. Investors should consider funds' asset allocation over the whole life of the fund. Often target date funds invest in other mutual funds and fees may be charged by both the target date fund and the underlying mutual funds. The principal value of these funds is not guaranteed at any time, including at the target date.