Disclosures: As of December 31, 2024: traditional US Savings Account Rate: 0.42% (YCharts); T-Bill Yield 5% (Y-Chart); 4.4%  based on the 30-day SEC yield of the Beanstox short-duration bond portfolio ETF constituents; the 30-day SEC yield is a standard metric defined by the U.S. Securities and Exchange Commission (SEC) and reflects the dividends and interest earned during the period after the deduction of the ETF’s expenses. There are no assurances that this yield will be sustainable in the future. This product will invest in one or more ETFs. Results may vary due to expenses and other factors. This projection is provided for illustrative purposes, and it is not indicative of past performance of any Beanstox portfolio or any client’s experience using the Beanstox App. The hypothetical return does not reflect fees or the cost associated with investing. Content is meant to provide education on the power of compound returns over time, and it is not intended to be taken as advice or a recommendation for any specific investment product or strategy.