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Financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. The result of any calculation performed by this tool does not assume the effect of fees, commissions, tax rates, or changes in interest rates or the rate of inflation, and is not intended to predict or guarantee the actual results of any investment product or strategy. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.

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Kuzma Financial Services is a division of Capital Markets IQ, LLC, a SEC-registered investment adviser.