Disclaimer – Investing in financial securities involves risk. The higher the Essential Returns Objective, the greater the potential for significant loss of principle. Ignoring or underestimating the Essential Returns Objective increases the risk of not replacing a sufficient amount of future cash flow needs. Sortino Investment Analytics, LLC (SIA) and Essential Returns Objectives, LLC (ERO) makes no assurances, implied or implicit, that the Essential Return Objective assigned to each investor will be achieved nor if achieved will result in replacing a significant amount of future cash flow needs. The ERO program should only be used as a starting point to assist in determining the requirements needed to meet future cash flow needs. Past performance is no guarantee of future results.