Legal disclaimer: This commentary contains the current opinions of Compass Capital Management, Inc., an SEC-registered investment adviser. Such opinions are subject to change without notice as economic and market conditions warrant. This commentary is for general educational purposes only and should not be considered as personalized investment advice or a recommendation of any particular security, strategy or investment product. Certain information contained herein is derived from third-party sources and is believed to be reliable at the time of publication, but is not guaranteed as to accuracy or completeness. Historical performance shall not be relied upon as a predictor of future performance.