The information contained herein should not be construed as personalized investment advice and are not intended as buy or sell recommendations of any securities. Past performance is not a guarantee of future results. There is no guarantee that the views and opinions expressed in this Quarterly Report will come to pass. Investing in the equity and fixed income markets involves the risk of gains and losses. An investor cannot invest directly in an index. Unmanaged index returns do not reflect any fees, expenses, or sales charges. The use of a Financial Advisor does not eliminate risks associated with investing. Consider the investment objectives, risks, charges, and expenses carefully before investing. Information presented herein is subject to change without notice. VestGen Investment Management has experienced periods of underperformance in the past and may also in the future. VestGen Investment Management is an SEC registered investment adviser with its principal place of business in the State of New Jersey. Being a registered investment advisor does not imply any level of skill or training. VestGen Investment Management is in compliance with the current federal and state registration requirements imposed upon registered investment advisers. VestGen Investment Management may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This Quarterly Report is limited to the dissemination of general information pertaining to its investment advisory services and is not suitable for everyone. Any subsequent, direct communication by VestGen Investment Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For additional information about VestGen Investment Management, including fees, services, and registration status, send for our disclosure document as set forth on Form ADV using the “disclosures & privacy” link at www.vestgenim.com or visit www.adviserinfo.sec.gov. Please read the disclosure statement carefully before you invest or send money.