QMR – 2015 Q4

Transition from Haberling Financial Group to HFG Trust
Discussion of turbulence in 2015
Intended economic growth not seen, despite low rates
HFG portfolio strategy last year and going forward

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HFG Trust is a subsidiary of Community First Bank. HFG Advisors is an RIA subsidiary of HFG Trust. HFG Trust and its subsidiaries are not FDIC Insured, not bank guaranteed, and may lose value.

QMR – 2015 Q4

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