Luminate - Newsletter Issue No. 2 August 2024

18575 Jamboree Rd, Suite 400 Irvine, CA 92612 (949) 622-7237 luminatewealth@nm.com www.luminatewealth.com

This publication is not intended as legal or tax advice. Financial Representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation. The opinions expressed are those of Luminate Wealth Management & Insurance Services as of the date stated on this newsletter and are subject to change. There is no guarantee that any forecasts made will come to pass. This material does not constitute investment advice and is not intended as an endorsement of any specific investment or security. Please remember that all investments carry some level of risk, including the potential loss of principal invested. Indexes and/or benchmarks are unmanaged and cannot be invested in directly. Returns represent past performance, are not a guarantee of future performance and are not indicative of any specific investment. Diversification and strategic asset allocation do not assure profit or protect against loss. Members of Luminate Wealth Management & Insurance Services use Luminate Wealth Management & Insurance Services as a marketing name for doing business as representatives of Northwestern Mutual. is not a registered investment adviser, broker-dealer, insurance agency, or federal savings bank. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM) and its subsidiaries in Milwaukee, WI including Northwestern Mutual Investment Services, LLC (NMIS) (investment brokerage services) a registered investment advisor, broker-dealer, and member of FINRA and SIPC, and Northwestern Mutual Wealth Management Company (NMWMC) (investment advisory services), a federal savings bank. Northwestern Mutual Private Client Group is a select group of Northwestern Mutual advisors and representatives. Northwestern Mutual Private Client Group is not a registered investment adviser, broker-dealer, insurance agency, federal savings bank or other legal entity.

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