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AAII Pittsburgh Chapter Meeting Wednesday, 19 March 2025 Registration/Social: 6:30 Main Presentation: 7:00 Attend in-person at Beratung Advisors 645 Rodi Road, Penn Hills 15235 or Attend remotely via Zoom Non-correlated Investment Strategies Mike Belotz, Principal Officer, Tecumseh Alternatives LLC This presentation reviews the “Alternative Assets” investment space, specifically, strategies uncorrelated to other markets or asset classes. Mike Belotz will offer concrete examples of a few different approaches, along with reasons why they perform well, regardless of how equity or bond markets are doing. Attend this meeting and learn: · What are Alternative Assets · What asset types and strategies can generate positive returns regardless of market conditions · How do alternative assets fit into a portfolio & what positives/issues are involved About Mike Belotz Mike Belotz has 25 years of hedge-fund portfolio-management and research experience covering all investment sectors. His career was formerly on the sell side in both trading and marketing equity and commodities derivatives, including three years as a floor trader in equity options on the American Stock Exchange, managing a diverse book of derivatives on individual equities. Later he specialized in commodity derivatives as both a marketer and structurer for firms such as Chase, Societe Generale, and Kidder Peabody. In these roles he devised derivative structures in crude oil, products, and natural gas, and assembled financing packages for energy-production and transportation projects. Mike also spent time as a risk-management professional for a major utility during the initial deregulation of the US electricity market. Currently, he is a Principal with Tecumseh Alternatives involved with sourcing and due diligence of new strategies, along with working on all aspects of the business. Prior to this, he was Head of US for DNA Partners, where he was responsible for sourcing and due diligence of US based hedge funds. He was also Head of Research and Risk Management at Lanx Management, and prior to that, he was Head of Portfolio Management in the US for the Hedge Funds Group at Credit Suisse where he managed $6 Billion in portfolios. Michael started out his hedge fund career at TAG Associates, a multiclient family office, as portfolio manager for their relative value and diversified strategy fund of funds. Mike has his MBA from The Wharton School and a BS in business from the Univ. of California, Berkeley. Registration is required To attend, either remotely or in-person, first sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting to verify your system configuration and, possibly, download the Zoom client. In addition, to attend in-person, reserve a seat via email to the Chapter registrar with a subject line “AAII seating request.” Seating is limited, so register early. Fees Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that your participation returns more value than the energy we invest. Special-interest Subgroups Live SIG meetings re

AAII Pittsburgh Chapter Meeting Wednesday, 19 March 2025 Registration/Social: 6:30 Main Presentation: 7:00 Attend in-person at Beratung Advisors 645 Rodi Road, Penn Hills 15235 or Attend remotely via Zoom Non-correlated Investment Strategies Mike Belotz, Principal Officer, Tecumseh Alternatives LLC This presentation reviews the “Alternative Assets” investment space, specifically, strategies uncorrelated to other markets or asset classes. Mike Belotz will offer concrete examples of a few different approaches, along with reasons why they perform well, regardless of how equity or bond markets are doing. Attend this meeting and learn: · What are Alternative Assets · What asset types and strategies can generate positive returns regardless of market conditions · How do alternative assets fit into a portfolio & what positives/issues are involved About Mike Belotz Mike Belotz has 25 years of hedge-fund portfolio-management and research experience covering all investment sectors. His career was formerly on the sell side in both trading and marketing equity and commodities derivatives, including three years as a floor trader in equity options on the American Stock Exchange, managing a diverse book of derivatives on individual equities. Later he specialized in commodity derivatives as both a marketer and structurer for firms such as Chase, Societe Generale, and Kidder Peabody. In these roles he devised derivative structures in crude oil, products, and natural gas, and assembled financing packages for energy-production and transportation projects. Mike also spent time as a risk-management professional for a major utility during the initial deregulation of the US electricity market. Currently, he is a Principal with Tecumseh Alternatives involved with sourcing and due diligence of new strategies, along with working on all aspects of the business. Prior to this, he was Head of US for DNA Partners, where he was responsible for sourcing and due diligence of US based hedge funds. He was also Head of Research and Risk Management at Lanx Management, and prior to that, he was Head of Portfolio Management in the US for the Hedge Funds Group at Credit Suisse where he managed $6 Billion in portfolios. Michael started out his hedge fund career at TAG Associates, a multiclient family office, as portfolio manager for their relative value and diversified strategy fund of funds. Mike has his MBA from The Wharton School and a BS in business from the Univ. of California, Berkeley. Registration is required To attend, either remotely or in-person, first sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting to verify your system configuration and, possibly, download the Zoom client. In addition, to attend in-person, reserve a seat via email to the Chapter registrar with a subject line “AAII seating request.” Seating is limited, so register early. Fees Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that your participation returns more value than the energy we invest. Special-interest Subgroups — Live SIG meetings

Bensema, Justin would like to recall the message, "[AAII-Pgh] AAII Pittsburgh Chapter Meeting - Zoom link corrected". This e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you receive this e-mail in error, please do not read, copy or disseminate it in any manner. If you are not the intended recipient, any disclosure, copying, distribution or use of the contents of this information is prohibited. Please reply to the message immediately by informing the sender that the message was misdirected. After replying, please erase it from your computer system. Your assistance in correcting this error is appreciated.

AAII Pittsburgh Chapter Meeting Wednesday, 19 March 2025 Registration/Social: 6:30 Main Presentation: 7:00 Attend in-person at Beratung Advisors 645 Rodi Road, Penn Hills 15235 or Attend remotely via Zoom Non-correlated Investment Strategies Mike Belotz, Principal Officer, Tecumseh Alternatives LLC This presentation reviews the “Alternative Assets” investment space, specifically, strategies uncorrelated to other markets or asset classes. Mike Belotz will offer concrete examples of a few different approaches, along with reasons why they perform well, regardless of how equity or bond markets are doing. Attend this meeting and learn: · What are Alternative Assets · What asset types and strategies can generate positive returns regardless of market conditions · How do alternative assets fit into a portfolio & what positives/issues are involved About Mike Belotz Mike Belotz has 25 years of hedge-fund portfolio-management and research experience covering all investment sectors. His career was formerly on the sell side in both trading and marketing equity and commodities derivatives, including three years as a floor trader in equity options on the American Stock Exchange, managing a diverse book of derivatives on individual equities. Later he specialized in commodity derivatives as both a marketer and structurer for firms such as Chase, Societe Generale, and Kidder Peabody. In these roles he devised derivative structures in crude oil, products, and natural gas, and assembled financing packages for energy-production and transportation projects. Mike also spent time as a risk-management professional for a major utility during the initial deregulation of the US electricity market. Currently, he is a Principal with Tecumseh Alternatives involved with sourcing and due diligence of new strategies, along with working on all aspects of the business. Prior to this, he was Head of US for DNA Partners, where he was responsible for sourcing and due diligence of US based hedge funds. He was also Head of Research and Risk Management at Lanx Management, and prior to that, he was Head of Portfolio Management in the US for the Hedge Funds Group at Credit Suisse where he managed $6 Billion in portfolios. Michael started out his hedge fund career at TAG Associates, a multiclient family office, as portfolio manager for their relative value and diversified strategy fund of funds. Mike has his MBA from The Wharton School and a BS in business from the Univ. of California, Berkeley. Registration is required To attend, either remotely or in-person, first sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting to verify your system configuration and, possibly, download the Zoom client. In addition, to attend in-person, reserve a seat via email to the Chapter registrar with a subject line “AAII seating request.” Seating is limited, so register early. Fees Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that your participation returns more value than the energy we invest. Special-interest Subgroups — Live SIG meetings

AAII Pittsburgh Chapter Meeting Wednesday, January 15, 2025 Presentation: 7:00 PM EST Russell Mills, PhD Senior Principal and Senior Regional Officer Federal Reserve Bank of Cleveland-Pittsburgh Branch National and Regional Economic Outlook 2025 Please join us for an overview of the Federal Reserve System and economic conditions. We will discuss the structure and mandate of the Federal Reserve, the outlook for economic growth, the labor market, housing and other regional issues. There will also be an opportunity for questions and answers on other topics related to the Federal Reserve and the economy. Attend this meeting and learn about: The Federal Reserve System – Overview National Economic Conditions – GDP, Labor market, financial markets, inflation and prices State and Regional Economic Conditions, population and employment trends Real Estate trends About Russell Mills, PhD Russell Mills is a Senior Principal and the Senior Regional Officer of the Federal Reserve Bank of Cleveland’s Pittsburgh Branch. He is responsible for managing relationships with regional stakeholders, monitoring the region’s economic environment, and speaking to regional audiences on national and regional economic conditions. He also participates in briefings that support the Bank president’s role on the Federal Open Market Committee (FOMC). He manages the Bank’s relationships with the Pittsburgh Branch’s BOD and business advisory councils in Pittsburgh and Erie, Pennsylvania, and in Wheeling, West Virginia. Dr. Mills joined the FRB of Cleveland in 2023. Prior to his current role, he oversaw the Center for Regional Development at Bowling Green State University, leading a team in economic, community, and workforce development projects across 31 counties in northwestern Ohio. Prior to his time at the center, Dr. Mills was an Assoc. Prof. of political science at BGSU and a policy analyst at the FAA in Washington D.C. He holds a BA in political science from Westminster College, an MPA from the University of Vermont, and a PhD in political science from Kent State University. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that our participation returns more value than the energy we invest. Special Interest Subgroups -- Live SIG meetings remain meetings postponed, but stay tuned. Investment Strategies SIG Jim Emberg jim.emberg@... Personal Financial Planning SIG KarenFadzen karen@... Chapter Leaders: President, Roy Taylor c.roy.taylor@... Vice President, Justin Bensema Justin.Bensema@... Secretary, Earl Novendstern earl.nove@... Treasurer, Ron Sabol phyllissabol@... Program Coordinator, Lawrence Ingram larry77151@... Chapter Board member, Karen Fadzen karen@... Chapter Board member, Jim Emberg jim.emberg@... This e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you re

AAII Pittsburgh Chapter Meeting Wednesday, January 15, 2025 Russell Mills, PhD Senior Principal and Senior Regional Officer Federal Reserve Bank of Cleveland-Pittsburgh Branch National and Regional Economic Outlook 2025 Please join us for an overview of the Federal Reserve System and economic conditions. We will discuss the structure and mandate of the Federal Reserve, the outlook for economic growth, the labor market, housing and other regional issues. There will also be an opportunity for questions and answers on other topics related to the Federal Reserve and the economy. Attend this meeting and learn about: The Federal Reserve System – Overview National Economic Conditions – GDP, Labor market, financial markets, inflation and prices State and Regional Economic Conditions, population and employment trends Real Estate trends About Russell Mills, PhD Russell Mills is a Senior Principal and the Senior Regional Officer of the Federal Reserve Bank of Cleveland’s Pittsburgh Branch. He is responsible for managing relationships with regional stakeholders, monitoring the region’s economic environment, and speaking to regional audiences on national and regional economic conditions. He also participates in briefings that support the Bank president’s role on the Federal Open Market Committee (FOMC). He manages the Bank’s relationships with the Pittsburgh Branch’s BOD and business advisory councils in Pittsburgh and Erie, Pennsylvania, and in Wheeling, West Virginia. Dr. Mills joined the FRB of Cleveland in 2023. Prior to his current role, he oversaw the Center for Regional Development at Bowling Green State University, leading a team in economic, community, and workforce development projects across 31 counties in northwestern Ohio. Prior to his time at the center, Dr. Mills was an Assoc. Prof. of political science at BGSU and a policy analyst at the FAA in Washington D.C. He holds a BA in political science from Westminster College, an MPA from the University of Vermont, and a PhD in political science from Kent State University. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that our participation returns more value than the energy we invest. Special Interest Subgroups -- Live SIG meetings remain meetings postponed, but stay tuned. Investment Strategies SIG Jim Emberg jim.emberg@... Personal Financial Planning SIG Karen Fadzen karen@... Chapter Leaders: President, Roy Taylor c.roy.taylor@... Vice President, Justin Bensema Justin.Bensema@... Secretary, Earl Novendstern earl.nove@... Treasurer, Ron Sabol phyllissabol@... Program Coordinator, Lawrence Ingram larry77151@... Chapter Board member, Karen Fadzen karen@... Chapter Board member, Jim Emberg jim.emberg@... This e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you receive this e-mail in erro

?AAII Pittsburgh Chapter Meeting Wednesday, January 15, 2025 Russell Mills, PhD Senior Principal and Senior Regional Officer Federal Reserve Bank of Cleveland-Pittsburgh Branch National and Regional Economic Outlook 2025 The FRB analysis of labor ZjQcmQRYFpfptPreheaderEnd ZjQcmQRYFpfptBannerStart AAII Pittsburgh Chapter Meeting Wednesday, January 15, 2025 Russell Mills, PhD Senior Principal and Senior Regional Officer Federal Reserve Bank of Cleveland-Pittsburgh Branch National and Regional Economic Outlook 2025 The FRB analysis of labor markets, region demographics, and economic indicators result the ability to help formulate effective policy for the Northeastern region of our Midwest and the nation. The FRB also evaluates population shifts, employment trends and the changing real estate market. These trends can impact economic conditions, and the decisions leading to interest rate changes and changes in the money supply (eg. M1 and M2). All of these affect the FRB decision making process. This meeting will give you, the investor, insights to how these interactions can affect FRB changes and decisions about the financial markets. You will have a better short term and long term understanding about how the FRB decisions could impact your choices of why, how, and where to invest. Attend this meeting and learn about: · The Federal Reserve Banking System – Overview · National Economic Conditions – GDP, Labor market, financial markets, inflation and prices · State and Regional Economic Conditions, population and employment trends · Real Estate trends About Russell Mills, PhD Russell Mills is a Senior Principal and the Senior Regional Officer of the Federal Reserve Bank of Cleveland’s Pittsburgh Branch. He is responsible for managing relationships with regional stakeholders, monitoring the region’s economic environment, and speaking to regional audiences on national and regional economic conditions. He also participates in briefings that support the Bank president’s role on the Federal Open Market Committee (FOMC). He manages the Bank’s relationships with the Pittsburgh Branch’s BOD and business advisory councils in Pittsburgh and Erie, Pennsylvania, and in Wheeling, West Virginia. Dr. Mills joined the FRB of Cleveland in 2023. Prior to his current role, he oversaw the Center for Regional Development at Bowling Green State University, leading a team in economic, community, and workforce development projects across 31 counties in northwestern Ohio. Prior to his time at the center, Dr. Mills was an Assoc. Prof. of political science at BGSU and a policy analyst at the FAA in Washington D.C. He holds a BA in political science from Westminster College, an MPA from the University of Vermont, and a PhD in political science from Kent State University. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: just click here. Even better, if you want to see the Chapter continue providing investment education and insight, join our Leaders team. The work we do requires no special skills, no financial expertise, merely an ability to organize and commitment to communicate. Benefits include opportunities to: learn from experienced investors, influence speaker selections, and to inform the larger community of individual investors. Each of us can tell you that our participation returns more value t

AAII Pittsburgh Chapter Meeting Tuesday, November 19, 2024 NEW LOCATION Beratung Advisors 645 Rodi Road, Penn Hills 15235 Registration/Social: 6:30 Main Presentation: 7:00 Elder Fraud in the “Golden Years” Karen Fadzen, Kindred Wealth Partners, a privately-held, independent regional firm Financial crimes against seniors are on the rise. Over 3.5 million older adults become victims of financial exploitation annually and suffer an average loss of over $34,000. Scammers target people of any age, but those over 60 are more vulnerable, and victims over 80 likely to suffer even higher losses. This could be you or an elderly family member As investors, we tend to focus on investment risks such as market downturns, the banking system, etc. However, there are equally important risks to understand and address in order to protect our assets and those of people we love. One of these is senior financial abuse — also called “elder financial exploitation” — misuse or theft of assets. It can happen to anyone. Join us as Karen discusses common scams, non-scams, mild cognitive decline, warning signs of elder financial exploitation, and how to be proactive in preventing it. She will also provide a list of resources for additional information about elder financial abuse, including how to report it. Attend this meeting and learn: ·-Common fraud, scams, and non-scams that target seniors ·-What is mild cognitive decline and its role in elder financial abuse ·-Tips on recognizing and preventing elder financial exploitation -- Personal Experiences About Karen Fadzen Karen Fadzen has 30 years of financial experience working on both sides of the table in wealth management. Karen is a Certified Financial Planner CFP?, Certified Annuity Specialist CAS? (who does not sell annuities or insurance products), Certified Divorce Financial Analyst CDFA? trained in collaborative divorce and mediation and has an MBA in Finance from the University of Texas. She is a Wealth Advisor with Kindred Wealth Partners, a privately-held, independent regional firm adhering to the highest fiduciary standards. Karen’s work with clients is focused on helping them organize and understand their finances so that they can establish goals and make effective financial decisions. Logistical Details --- New Location Beratung Advisors, 645 Rodi Road, Penn Hills 15235 Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, possibly, download the Zoom client. Seating is a bit limited, so register early for in-person attendance. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a new model. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups -- Live SIG meetings remain meetings postponed, but stay tuned. Investment Strategies SIG Jim Emberg jim.emberg@... Personal Financial Planning SIG Karen Fadzen fadzens@... Chapter Leaders: President, Roy Taylor c.roy.taylor@... Vice President, Justin Bensema Justin.Bensema@... Secretary, Earl Novendstern earl.nove@... Treasurer, Ron Sabol phyllissabol@... Program Coordinator, Lawrence Ingram larry77151@... AAII Pittsburgh Chapter Board member, Karen Fadzen fadzens@... Update your email preferences to choose the types of email you receive Unsubscribe from community emails This e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you receive this e-mail in error, please do not read, copy or disseminate it in an

AAII Pittsburgh Chapter Meeting RESCHEDULED to 16 Oct 24 Zoom online webinar Presentation: 7:00 The Future of Emerging Markets & the Rise of a Digital India Kevin Carter, CFA, Chief Investment Officer, EMQQ Global The Third Wave of global digitalization has reached an inflection point. Conditions and technologies created in Silicon Valley have now spread, is poised to lead global growth as we enter a golden age of digital transformation. Attend this meeting and learn: · How to understand the flaws in traditional Emerging Market Investing · Why India is the almost perfect emerging market & diversifier now · How to invest in India’s digital transformation · The next wave of the Digital Revolution: Latin America and SE Asia About Kevin Carter Kevin Carter is founder and Chief Investment Officer of EMQQ Global. He is an “active” value investor and has collaborated with Princeton economist and indexing legend Burton G. Malkiel for over 20 years. Together they founded eInvesting in 1999, pioneering in fractional share brokerage (acquired by etrade in 2000), and Active Index Advisors (acquired by Natixis Asset Management in 2005). In 2006 their efforts turned to concentrate on China and emerging markets, launching China-focused ETFs on the NYSE with Guggenheim Partners. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration, and possibly download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, people who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups — Live SIG meetings remain postponed, but stay tuned. · Investment Strategies, Jim Emberg jim.emberg@... · Personal Financial Planning, Karen Fadzen fadzens@... Chapter Leaders: · President, Roy Taylor c.roy.taylor@... · Vice President, Justin Bensema Justin.Bensema@... · Secretary, Earl Novendstern earl.nove@... · Treasurer, Ron Sabol phyllissabol@... · Program Coordinator, Lawrence Ingram larry77151@...

Paula: October 16 would work for the Chapter. Best Regards, Larry Ingram Program Chair, Pittsburgh AAII Chapter >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

AAII Pittsburgh Chapter Meeting POSTPONED originally Tue, 17 Sep 24 now tentatively 24-25 Sep 24 Zoom online webinar Presentation: 7:00 The Future of Emerging Markets & the Rise of a Digital India Kevin Carter, CFA, Chief Investment Officer, EMQQ Global The Third Wave of global digitalization has reached an inflection point. Conditions and technologies created in Silicon Valley have now spread, is poised to lead global growth as we enter a golden age of digital transformation. Attend this meeting and learn: · How to understand the flaws in traditional Emerging Market Investing · Why India is the almost perfect emerging market & diversifier now · How to invest in India’s digital transformation · The next wave of the Digital Revolution: Latin America and SE Asia About Kevin Carter Kevin Carter is founder and Chief Investment Officer of EMQQ Global. He is an “active” value investor and has collaborated with Princeton economist and indexing legend Burton G. Malkiel for over 20 years. Together they founded eInvesting in 1999, pioneering in fractional share brokerage (acquired by etrade in 2000), and Active Index Advisors (acquired by Natixis Asset Management in 2005). In 2006 their efforts turned to concentrate on China and emerging markets, launching China-focused ETFs on the NYSE with Guggenheim Partners. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration, and possibly download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, people who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups — Live SIG meetings remain postponed, but stay tuned. · Investment Strategies, Jim Emberg jim.emberg@... · Personal Financial Planning, Karen Fadzen fadzens@... Chapter Leaders: · President, Roy Taylor c.roy.taylor@... · Vice President, Justin Bensema Justin.Bensema@... · Secretary, Earl Novendstern earl.nove@... · Treasurer, Ron Sabol phyllissabol@... · Program Coordinator, Lawrence Ingram larry77151@...

AAII Pittsburgh Chapter Meeting Tuesday, 17 September 2024 Zoom online webinar Presentation: 7:00 The Future of Emerging Markets & the Rise of a Digital India Kevin Carter, CFA, Chief Investment Officer, EMQQ Global The Third Wave of global digitalization has reached an inflection point. Conditions and technologies created in Silicon Valley have now spread, evolved, and matured worldwide, creating billions of digital natives — and numerous unicorns — around the globe. With India’s swelling middle class of youthful online consumers, the country stands apart and is poised to lead global growth as we enter a golden age of digital transformation. Attend this meeting and learn: · How to understand the flaws in traditional Emerging Market Investing · Why India is the almost perfect emerging market & diversifier now · How to invest in India’s digital transformation · The next wave of the Digital Revolution: Latin America and SE Asia About Kevin Carter Kevin Carter is founder and Chief Investment Officer of EMQQ Global. He is an “active” value investor and has collaborated with Princeton economist and indexing legend Burton G. Malkiel for over 20 years. Together they founded eInvesting in 1999, pioneering in fractional share brokerage (acquired by etrade in 2000), and Active Index Advisors (acquired by Natixis Asset Management in 2005). In 2006 their efforts turned to concentrate on China and emerging markets, launching China-focused ETFs on the NYSE with Guggenheim Partners. Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration, and possibly download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, people who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed. Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups — Live SIG meetings remain postponed, but stay tuned. · Investment Strategies, Jim Emberg jim.emberg@... · Personal Financial Planning, Karen Fadzen fadzens@... Chapter Leaders: · President, Roy Taylor c.roy.taylor@... · Vice President, Justin Bensema Justin.Bensema@... · Secretary, Earl Novendstern earl.nove@... · Treasurer, Ron Sabol phyllissabol@... · Program Coordinator, Lawrence Ingram larry77151@... ·

Hello Everyone, The Pittsburgh Chapter of the American Association of Individual Investors (AAII) is excited to present our Fall Lineup for 2024! On August 20th, Justin Bensema, CFP? of Fifth Third Wealth Advisors (FTWA) will present on Markets in an Election Year. With less than 3 months before the 2024 election, join us as Justin discusses current market conditions to-date in 2024, shares a historical perspective on election cycles of the past, and offers suggestions on how to navigate this election cycle and the current market environment. AAII Pittsburgh Chapter Meeting Tuesday, 20 August 2024 NEW LOCATION – HYBRID MEETING IN-PERSON ATTENDANCE Beratung Advisors 645 Rodi Road, Penn Hills 15235 (Please sign up with the below Zoom Link as well as contact [email protected] by email to reserve a seat) VIRTUAL ATTENDANCE Zoom Site Registration/Social: 6:30 Main Presentation: 7:00 Additionally, AAII Pittsburgh has three NEW events we are happy to announce to take place before the end of 2024: · September 17th - Kevin Carter of EMQQ Global will discuss The Future of Emerging Markets via Zoom · October 15th – AAII’s own Jim Emberg will host a workshop on Dividend Investing. This will be a hybrid meeting, with in-person participation. If you are unable to join us at the new Beratung site, you can listen in on the discussion via ZOOM. · November 19th - Karen Fadzen, CFP?, CDFA?, CAS? will present on the topic of Elder Fraud. This meeting will also be a hybrid format, with opportunities to ask your questions to Karen in-person! Thank you and looking forward to the 20th and the rest of our Fall Lineup! AAII Pittsburgh Leadership AAII Disclaimer: The opinions of speakers are their own and not necessarily those of AAII. It is not the policy of AAII or its local chapters, officers or directors to promote any specific investments or techniques of analysis. Presentations are provided solely for informational purposes and should not be construed as solicitations. There are no representations or warranties of any kind, expressed or implied, about the completeness, accuracy, reliability, or suitability of meeting information. Investment information presented may not be appropriate for all investors and should be independently verified. AAII Disclaimer: The opinions of speakers are their own and not necessarily those of AAII. It is not the policy of AAII or its local chapters, officers or directors to promote any specific investments or techniques of analysis. Presentations are provided solely for informational purposes and should not be construed as solicitations. There are no representations or warranties of any kind, expressed or implied, about the completeness, accuracy, reliability, or suitability of meeting information. Investment information presented may not be appropriate for all investors and should be independently verified. From: Bensema, Justin Sent: Wednesday, July 10, 2024 2:06 PM To: [email protected] Subject: AAII Pittsburgh Chapter Meeting AAII Pittsburgh Chapter Meeting Tuesday, 20 August 2024 NEW LOCATION – HYBRID MEETING IN-PERSON ATTENDANCE Beratung Advisors 645 Rodi Road, Penn Hills 15235 (Please sign up with the below Zoom Link as well as contact [email protected] by email to reserve a seat) VIRTUAL ATTENDANCE Zoom Site Registration/Social: 6:30 Main Presentation: 7:00 Markets in an Election Year Justin Bensema, CFP?, Relationship Manager, Fifth Third Wealth Advisors (FTWA) Few conditions scare investors like uncertainty, and every 4 years the presidential election cycle gives them plenty to be worried about. Amid these uncertain times, individual investors may let their own personal biases or herd mentality affect their long-term financial plan. As an example, investors who exited the market as the 2020 election approached forfeited one of the most positive one-month returns in the history of financial markets. So, what lessons can we learn from the historical returns of financial markets during an election year? Should investors be opportunistic to align portfolios with political agendas, be more caut

[Owner] [AAII-Pgh] AAII - Chapter Leaders ZMeeting, 29 July Folks -- OK, thanks, we've now converged and will convene on Monday, 29 Jul via Zoom, to review and plan. Looking forward to your participation, -- Roy ---------------- ---------------- Roy Folks -- OK, thanks, we've now converged and will convene on Monday, 29 Jul via Zoom, to review and plan. Looking forward to your participation, -- Roy ---------------- ---------------- Roy (as AAII Chapter Webinar) invites you to a scheduled Zoom meeting > Topic: Pittsburgh AAII Chapter Leaders Meeting > Time: Jul 29, 2024 07:00 PM Eastern Time (US and Canada) > > Join Zoom Meeting > https://us02web.zoom.us/j/82021505845?pwd=yMtFbp1Bu3ryz1Z8DV6hXYOMpK2N9a.1 > > Meeting ID: 820 2150 5845 > Passcode: 828043 ---------------- ---------------- WhenMonday Jul 29, 2024 ? 7pm – 8pm (Eastern Time - New York) Guests Earl Novendstern - organizer [email protected] c.roy.taylor=gmail.com@... all guest info Reply for [email protected] YesNoMaybeMore options Invitation from Google Calendar You are receiving this email because you are an attendee on the event. To stop receiving future updates for this event, decline this event. Forwarding this invitation could allow any recipient to send a response to the organizer, be added to the guest list, invite others regardless of their own invitation status, or modify your RSVP. Learn more

AAII Pittsburgh Chapter Meeting Tuesday, 20 August 2024 NEW LOCATION – HYBRID MEETING IN-PERSON ATTENDANCE Beratung Advisors 645 Rodi Road, Penn Hills 15235 (Please sign up with the below Zoom Link as well as contact [email protected] by email to reserve a seat) VIRTUAL ATTENDANCE Zoom Site Registration/Social: 6:30 Main Presentation: 7:00 Markets in an Election Year Justin Bensema, CFP?, Relationship Manager, Fifth Third Wealth Advisors (FTWA) Few conditions scare investors like uncertainty, and every 4 years the presidential election cycle gives them plenty to be worried about. Amid these uncertain times, individual investors may let their own personal biases or herd mentality affect their long-term financial plan. As an example, investors who exited the market as the 2020 election approached forfeited one of the most positive one-month returns in the history of financial markets. So, what lessons can we learn from the historical returns of financial markets during an election year? Should investors be opportunistic to align portfolios with political agendas, be more cautious and reduce risk ahead of such uncertainty, or even just stay the course? Join us as Justin discusses current market conditions to-date in 2024, shares a historical perspective on election cycles of the past, and offers suggestions on how to navigate this election cycle and the current market environment. Attend this meeting and learn: What does history tell us about these questions and many more: What should investors market return expectations be in an election vs non-election year? Does the political party that controls the White House or Congress impact markets? About Justin Bensema Justin Bensema is a Relationship Manager with Fifth Third Wealth Advisors, serving clients in the Pittsburgh region. He is a Certified Financial Planner (CFP?) and has an MBA in Finance (University of Pittsburgh). With more than 10 years of financial services industry experience, he provides comprehensive wealth management solutions to high-net-worth individuals and families, foundations, endowments, and institutional clients. Justin joined Fifth Third in 2023. Previously, he worked with BNY Mellon Wealth Management. He currently volunteers with the CFA Society of Pittsburgh's "Financial Literacy Project" to help empower Pennsylvania students to take control of their financial futures. He is also the Vice President of the American Association of Individual Investors (AAII) Pittsburgh Chapter. Logistical Details --- New Location Beratung Advisors 645 Rodi Road, Penn Hills 15235 Beratung Advisors - East Directions Registration is required! This meeting on August 20th at 7 PM will be a "hybrid format," with both local and remote audience!! To attend the virtual meeting, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, possibly, download the Zoom client. If you wish to register for in-person attendance, please register online via the the Zoom site and contact [email protected] by email to reserve a seat as space is limited. In-person attendance is on a first come, first serve basis so please get your request in soon and we can confirm your seat. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a model successfully deployed by the San Diego Chapter (thank you, Rob Bernstein). Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups -- Live SIG meetings remain meetings postponed, but stay tuned. Investment Strategies SIG Jim Emberg jim.ember

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Hello everyone, The Pittsburgh Chapter of the American Association of Individual Investors (AAII) is excited for our next chapter meeting where Karen Fadzen, CFP?, CDFA?, CAS? of XPYRIA Investment Advisors will be presenting on the topic of Elder Fraud. You may have already signed up using the Zoom site, which will allow you to join the live webinar. For a point of further clarification on our previous announcement, this meeting on June 10th at 7 PM will be a "hybrid format," with both local and remote audience!! Monday, 10 June 2024 NEW LOCATION Beratung Advisors 645 Rodi Road, Penn Hills 15235 Registration/Social: 6:30 Main Presentation: 7:00 If you wish to register for the in-person meeting, please register online as well as email [email protected] to reserve a seat as space is limited. In-person attendance is on a first come, first serve basis so please get your request in soon and we can confirm your seat. This will be a great opportunity to interact with Karen directly and ask your questions. Additionally, there is some construction work along the Route 22 exit so we encourage any registrants for the in-person venue to plan their travel accordingly. Thank you and looking forward to the 10th! AAII Pittsburgh Leadership From: Bensema, Justin Sent: Wednesday, May 22, 2024 2:22 PM To: [email protected] Subject: AAII Pittsburgh Chapter Meeting AAII Pittsburgh Chapter Meeting Monday, 10 June 2024 NEW LOCATION Beratung Advisors 645 Rodi Road, Penn Hills 15235 Registration/Social: 6:30 Main Presentation: 7:00 Elder Fraud in the “Golden Years” Karen Fadzen, Senior Client Advisor, XPYRIA Investment Advisors Financial crimes against seniors are on the rise. Over 3.5 million older adults become victims of financial exploitation annually and suffer an average loss of over $34,000. Scammers target people of any age, but those over 60 are more vulnerable, and victims over 80 likely to suffer even higher losses. As investors, we tend to focus on investment risks such as market downturns, the banking system, etc. However, there are equally important risks to understand and address in order to protect our assets and those of people we love. One of these is senior financial abuse — also called “elder financial exploitation” — misuse or theft of assets. It can happen to anyone. Join us as Karen discusses common scams, non-scams, mild cognitive decline, warning signs of elder financial exploitation, and how to be proactive in preventing it. She will also provide a list of resources for additional information about elder financial abuse, including how to report it. Attend this meeting and learn: ·-Common fraud, scams, and non-scams that target seniors ·-What is mild cognitive decline and its role in elder financial abuse ·-Tips on recognizing and preventing elder financial exploitation – Personal Experiences About Karen Fadzen Karen Fadzen has 36 years of financial experience working on both sides of the table in wealth management. She is a Certified Financial Planner (CFP?), Certified Divorce Financial Analyst (CDFA?) trained in collaborative divorce and mediation, Certified Annuity Specialist (CAS?) who does not sell annuities or insurance products, and has an MBA in Finance (University of Texas). She is a Senior Client Advisor with XPYRIA Investment Advisors, a privately-held, independent, Registered Investment Advisor adhering to the highest fiduciary standards. Karen’s work with clients is focused on helping them organize and understand their finances so that they can establish goals and make effective financial decisions. Logistical Details --- New Location Beratung Advisors, 645 Rodi Road, Penn Hills 15235 Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, possibly, download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We

AAII Pittsburgh Chapter Meeting Monday, 10 June 2024 NEW LOCATION Beratung Advisors 645 Rodi Road, Penn Hills 15235 Registration/Social: 6:30 Main Presentation: 7:00 Elder Fraud in the “Golden Years” Karen Fadzen, Senior Client Advisor, XPYRIA Investment Advisors Financial crimes against seniors are on the rise. Over 3.5 million older adults become victims of financial exploitation annually and suffer an average loss of over $34,000. Scammers target people of any age, but those over 60 are more vulnerable, and victims over 80 likely to suffer even higher losses. As investors, we tend to focus on investment risks such as market downturns, the banking system, etc. However, there are equally important risks to understand and address in order to protect our assets and those of people we love. One of these is senior financial abuse — also called “elder financial exploitation” — misuse or theft of assets. It can happen to anyone. Join us as Karen discusses common scams, non-scams, mild cognitive decline, warning signs of elder financial exploitation, and how to be proactive in preventing it. She will also provide a list of resources for additional information about elder financial abuse, including how to report it. Attend this meeting and learn: ·-Common fraud, scams, and non-scams that target seniors ·-What is mild cognitive decline and its role in elder financial abuse ·-Tips on recognizing and preventing elder financial exploitation – Personal Experiences About Karen Fadzen Karen Fadzen has 36 years of financial experience working on both sides of the table in wealth management. She is a Certified Financial Planner (CFP?), Certified Divorce Financial Analyst (CDFA?) trained in collaborative divorce and mediation, Certified Annuity Specialist (CAS?) who does not sell annuities or insurance products, and has an MBA in Finance (University of Texas). She is a Senior Client Advisor with XPYRIA Investment Advisors, a privately-held, independent, Registered Investment Advisor adhering to the highest fiduciary standards. Karen’s work with clients is focused on helping them organize and understand their finances so that they can establish goals and make effective financial decisions. Logistical Details --- New Location Beratung Advisors, 645 Rodi Road, Penn Hills 15235 Registration is required To attend, sign up on the Zoom site. You will then receive confirming email with instructions and a link to join the webinar. We encourage login ten minutes prior to the meeting, to verify your configuration and, possibly, download the Zoom client. Fees: Our Leaders comprise a small group of dedicated volunteers, folks who generously contribute their energy and time as a service to our members. We do, however, incur real costs for these productions. In the past we have charged admission fees to cover these expenses, but times have changed, and we have adopted a model successfully deployed by the San Diego Chapter (thank you, Rob Bernstein). Accordingly, we ask that you consider the value you receive from our meetings and the degree to which you'd like them to continue. Then make a corresponding financial contribution. You can do this via our PayPal mechanism: Just click here. Special Interest Subgroups -- Live SIG meetings remain meetings postponed, but stay tuned. Investment Strategies SIG Jim Emberg jim.emberg@... Personal Financial Planning SIG Karen Fadzen fadzens@... Chapter Leaders: President, Roy Taylor c.roy.taylor@... Vice President, Justin Bensema Justin.Bensema@... Secretary, Earl Novendstern earl.nove@... Treasurer, Ron Sabol phyllissabol@... Program Coordinator, Lawrence Ingram larry77151@... This e-mail transmission contains information that is confidential and may be privileged. It is intended only for the addressee(s) named above. If you receive this e-mail in error, please do not read, copy or disseminate it in any manner. If you are not the intended recipient, any disclosure, copying, distribution or use of the contents of this information is prohibited. Please reply to the message immediately by informing the sender that the

Hi Folks, attached is the presentation made in March titled "Selecting Great ETFs."