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AI for Wholesaling Real Estate

AI for Wholesaling Real Estate: Tools, Strategies & Human Touch

wholesale real estate Nov 13, 2025

Key Takeaways: AI for Wholesaling Real Estate

  • What: AI for wholesaling real estate uses predictive analytics, automation, and machine learning to find motivated sellers and streamline deal flow.
  • Why: Investors use AI lead scoring, data-driven seller targeting, and CRM automation to work faster and more efficiently than traditional wholesalers.
  • How: This guide breaks down AI tools, lead generation methods, price analysis tools, conversational AI, and strategies for keeping wholesaling real estate human-centered.

AI for wholesaling real estate is transforming the way investors find deals, talk to sellers, and grow their business. What used to take hours of cold calling, door knocking, and digging through outdated lists can now happen in minutes with the right real estate AI tools. If you’ve ever wished that wholesaling felt a little less chaotic and a little more predictable, AI is about to feel like your new competitive advantage.

In this guide, we’ll break down how investors are using motivated seller software, predictive analytics, and AI deal analysis to uncover off-market opportunities faster than ever. Whether you’re brand new or you’ve been in the game for years, you’re going to see how modern wholesaling automation can streamline your workflow, reduce guesswork, and help you spend more time on what actually moves the needle—talking to sellers and locking up great deals.


If you’re serious about doing your first real estate deal, don’t waste time guessing what works. Our FREE Training walks you through how to consistently find deals, flip houses, and build passive income—without expensive marketing or trial and error.

This FREE Training gives you the same system our students use to start fast and scale smart. Watch it today—so you can stop wondering and start closing.



Understanding Real Estate Wholesaling & AI Basics

How AI for wholesaling real estate enhances deal sourcing comes down to one simple idea: AI helps you see opportunities before everyone else. Traditional wholesaling relies on hustle, intuition, and hours of manual outreach. AI real estate wholesaling, on the other hand, uses data to uncover motivated sellers earlier, faster, and with more accuracy than any human possibly could.

At its core, wholesaling is about finding discounted off-market properties, putting them under contract, and assigning that contract to a cash buyer for a fee. AI supercharges this process by analyzing huge amounts of property and seller data—things like equity levels, distress indicators, market trends, and owner behavior. These automation tools don’t replace your skills… they amplify them.

The best part? You don’t need to be technical to use AI. Modern wholesaling software is built to be simple, intuitive, and beginner-friendly. Tools powered by machine learning property insights can break down data, flag high-probability sellers, and even help guide you toward stronger offers. If you can run your email, you can run AI.

  • Machine Learning: Helps AI learn from past seller behavior and predict who’s most likely to sell soon.
  • Natural Language Processing (NLP): Powers chatbots, voice AI, and automated follow-up conversations.
  • Predictive Modeling: Reviews thousands of data points to identify distressed properties before competitors notice them.

Why AI Fits Perfectly With Wholesaling

  • Wholesaling is data-heavy: AI can sift through property records, equity data, and seller signals far faster than humans.
  • Speed wins deals: Automation tools help you reach motivated sellers before your competitors even know they exist.
  • Predictability matters: AI reduces guesswork and helps wholesalers focus on the highest-probability opportunities.

Ready To Start Wholesaling (And Beyond)? Download The Ultimate Guide

If you’re reading this and thinking, “Okay, AI is awesome… but how do I actually start wholesaling real estate myself?” then you’re exactly who we created this for. Understanding how AI for wholesaling real estate works is powerful, but combining it with a step-by-step game plan for finding deals, talking to sellers, and closing contracts is where things really take off.

Our free resource, The Ultimate Guide To Start Real Estate Investing, walks you through the fundamentals of wholesaling, how to flip properties, and how to scale into a long-term portfolio of rental properties. It’s designed for beginners, but even experienced investors use it as a refresher and training tool for their teams.

To get instant access, click the image below. You’ll be taken straight to the download page, where you can grab the guide and start building your real estate investing foundation today.

Benefits of AI for Wholesaling Real Estate

The benefits of AI for wholesaling real estate go far beyond automation. Sure, AI saves time, but the real value is how it helps you spot opportunities earlier, understand sellers better, and make smarter decisions with far less guesswork. When you combine predictive analytics with a solid wholesaling strategy, you stop chasing leads and start attracting the right ones.

  1. Find motivated sellers before your competition.
    AI lead scoring evaluates thousands of data points—equity, tax delinquency, ownership patterns, distress signals—to pinpoint homeowners most likely to sell. Instead of cold calling random lists, you’re spending your time on your highest-probability prospects.
  2. Automate repetitive tasks so you can focus on talking to sellers.
    Automated wholesaling tools can send follow-up messages, tag leads, track KPIs, and nurture prospects 24/7. That means you get to stay in “deal-making mode” while the software handles the busywork.
  3. Get data-driven real estate insights instantly.
    AI tools can analyze a neighborhood, evaluate recent sales, and even estimate ARV in seconds. No more digging through comps manually or hoping your gut is right—AI turns raw data into actionable direction.
  4. Scale your marketing without scaling your workload.
    With AI-powered texting, email sequences, voice agents, and CRM automations, one wholesaler can operate like a full team. Whether you’re brand new or already seasoned, AI helps you scale efficiently and predictably.
  5. Improve your offer accuracy with smarter analysis.
    Instead of guessing repairs or running comps with limited info, AI deal analysis tools can flag hidden issues, highlight trends, and help you calculate stronger MAO numbers. The result? Fewer bad deals and more contracts that stick.
  6. Reduce marketing costs by only targeting high-probability sellers.
    Predictive analytics lets you stop blasting huge lists and start targeting the right ones. When your marketing dollars only go toward high-intent sellers, your cost per contract drops dramatically.

Top Three High-Impact AI Benefits for Wholesalers

  • 1. Predictive Seller Targeting: AI identifies off-market sellers weeks—or months—before traditional lists catch up, giving wholesalers a serious early-mover advantage.
  • 2. Automation of Follow-Up: Missed calls, forgotten texts, and stale leads become a thing of the past when AI handles consistent, personalized communication.
  • 3. Smarter Deal Analysis: By analyzing comparable sales, market shifts, and property condition data, AI helps wholesalers make confident, accurate offers faster than ever.

 

AI-Powered Lead Generation & Motivated Seller Lists for Wholesaling Real Estate

One of the strongest uses of AI for wholesaling real estate is predictive lead generation. Instead of relying on outdated motivated seller lists, AI tools can analyze thousands of data points instantly to determine who is most likely to sell—often before the homeowner even starts looking for solutions. This is where AI seller scoring becomes a game-changer, giving wholesalers early access to off-market opportunities that used to require months of cold calling, driving for dollars, or expensive mass marketing.

Modern off-market AI tools use predictive analytics to sift through property records, owner behavior patterns, financial indicators, and neighborhood trends. When you combine this with skip tracing automation, you’re no longer just generating leads—you’re generating qualified leads. That means more conversations with motivated sellers, fewer dead-end calls, and a more consistent pipeline of wholesale deals.

 

Top AI Lead Generation Tools for Wholesalers
Tool Key AI Features Strengths for Wholesalers
DataFlik Predictive seller scoring using 1,800+ signals; behavioral AI; motivation indexing Predicts 60% of off-market sellers; strong data accuracy; early-stage seller targeting
REIkit SmartText AI messaging; automated lead nurturing; on-market/off-market modeling Great for follow-up, powerful seller heat scoring, combines AI outreach with deal analysis
REsimpli AI Agents AI call and message handling; instant seller qualification; CRM automation Perfect for wholesalers who want hands-off lead intake and consistent follow-up
PropStream (AI-Enhanced) Equity analysis; owner motivation filters; property condition indicators Great for large-scale list pulling with basic AI-assisted filtering

 

  • Equity Levels: Low-equity vs high-equity ownership tells AI who actually has the ability to sell.
  • Liens & Judgments: Tax liens, code violations, and other red flags are strong motivation indicators.
  • Payment History: Missed mortgage payments or pre-foreclosure signals can point to distress.
  • Property Distress Markers: Vacant homes, inherited homes, or long-term absentee owners.
  • Behavioral Signals: Online activity, listing searches, or demographic shifts.

How DataFlik Predicts 60% of Off-Market Sellers

DataFlik’s predictive engine pulls from 40+ years of public and private data and analyzes more than 1,800 individual signals—everything from equity positions to subtle behavioral patterns. When enough of these signals line up, the system assigns a high motivation score, helping wholesalers reach the seller long before they hit any public list. It’s like having X-ray vision for your market.



AI for Market & Pricing Analysis in Wholesaling Real Estate

A major benefit of AI for wholesaling real estate is accurate pricing and market analysis. Getting the numbers right is everything in this business—if your ARV is off, your offer is off. And when your offer is off, the entire deal collapses. AI pricing algorithms and ARV AI tools take the guesswork out by analyzing thousands of data points instantly, giving wholesalers a clear, data-backed understanding of what a property is worth today and what it will be worth after repairs. Instead of juggling spreadsheets or comparing comps manually, comps automation and real estate market forecasting tools do the heavy lifting for you.

  • Comparable Sales: AI reviews recent sales, distance, bed/bath count, square footage, and renovation level in seconds.
  • Property Condition: Tools analyze photos, listing descriptions, and historical repair data to identify condition adjustments.
  • Neighborhood Trends: AI tracks micro-trends like school ratings, investor activity, appreciation rates, and crime shifts.
  • Market Forecasting: Predictive modeling projects how the area is likely to perform over the next 6–12 months.
  • Seller & Buyer Activity: High or low demand can affect both pricing strategy and assignment fee potential.

 

Traditional Pricing vs AI Pricing Models
Traditional Pricing AI-Driven Pricing
Manual comp pulling, often inconsistent Comps automation reviews dozens of similar properties instantly
Human error or bias can skew valuations AI pricing algorithms eliminate emotional bias
ARV estimates vary widely by experience level ARV AI tools analyze deep datasets for consistent results
Slow and labor-intensive Fast, automated, and scalable for large lead lists

 

How AI Calculates ARV (Step-by-Step)

  • 1. Collects Data: Pulls property details, comps, photos, tax records, and market history.
  • 2. Filters Comps: AI removes outliers and mismatched properties to find the closest true comparables.
  • 3. Adjusts Values: Condition, upgrades, lot size, and market movement are factored in automatically.
  • 4. Predicts Market Direction: Real estate market forecasting models estimate short-term appreciation or decline.
  • 5. Calculates ARV: AI outputs a data-backed After Repair Value with a confidence score.

Automation, CRM & Workflow Tools for Wholesaling Real Estate AI

When adopting AI for wholesaling real estate, CRM automation is often the easiest first step. Most investors don’t realize how many hours they lose every week to small administrative tasks—updating notes, sending reminders, creating tasks, checking KPIs, and chasing cold leads. An AI CRM eliminates that chaos by keeping your pipeline organized, automating your follow-up, and ensuring every motivated seller gets contacted at the right time with the right message. It’s the backbone of modern real estate workflows and the foundation of every scalable wholesaling system.

  • Automated Follow-Up: AI sends texts, emails, and reminders so no seller slips through the cracks.
  • Lead Tagging & Prioritization: Automatically sorts leads based on motivation, timeline, and responsiveness.
  • Pipeline Management: Moves deals through stages without manual updates.
  • KPI Tracking: Automatically logs calls, appointments, contracts, and marketing performance.
  • Task Scheduling: Creates tasks for future follow-ups and daily actions.
  • Buyer & Seller Sequencing: Drip campaigns keep both sides engaged without constant manual effort.

Best AI CRM Features for Wholesalers

  • Smart Seller Follow-Up: AI automatically messages leads based on responsiveness, motivation, and timeline.
  • Conversation Intelligence: Tools analyze calls to identify seller objections, pain points, and key decision triggers.
  • Prediction Tags: AI predicts which leads are warming up and which ones are cooling off.
  • Workflow Automation: Connects your marketing, lead intake, acquisitions, and dispositions seamlessly.

 

Example AI-Powered Wholesaling Workflows

  • Seller Follow-Up Workflow: A lead opts in → AI instantly texts them → voice AI calls to set an appointment → CRM tags motivation level → automated follow-up continues until contact.
  • KPI Tracking Workflow: Every call, message, appointment, and contract is automatically logged → AI summarizes performance → CRM highlights bottlenecks in your business.
  • Drip Campaign Workflow: Seller enters your system → AI sequences a 30-day nurture campaign → personalized messages are sent based on seller behavior → lead converts without manual action.

Voice AI, Chatbots & Communication in AI Wholesaling Real Estate

One of the most disruptive uses of AI for wholesaling real estate is voice AI. For decades, wholesalers relied on manual cold calling or expensive call centers to reach sellers. Now, AI calling tools and real estate chatbots can hold natural, human-like conversations using advanced NLP communication. These tools qualify sellers, overcome objections, and keep automated seller conversations going 24/7—without you ever picking up the phone.

Voice AI vs. Chatbots: What’s the Difference?

  • Voice AI: Handles real-time phone calls with lifelike tone, emotion, and pacing. Great for appointment setting, lead intake, and objection handling.
  • Chatbots: Text-based messaging that responds instantly on websites, lead forms, and SMS. Perfect for FAQs, initial qualification, and capturing basic info.

What AI Call Agents Can Do Today

  • Hold full conversations: Voice AI sounds natural and human-like, handling pauses, empathy, and tone adjustments.
  • Overcome objections: “I’m not ready,” “Send me an offer,” or “Who are you?”—AI responds intelligently with NLP communication.
  • Book appointments automatically: Integrates with your calendar and schedules seller calls without manual effort.
  • Gather lead information: Property details, timelines, condition, and seller motivation collected instantly.
  • Follow up consistently: If a seller doesn’t answer, AI retries with professional, human-like persistence.

 

What Voice AI & Chatbots Handle in Your Business

  • Qualify sellers: Identifies motivation, pricing, timeline, and property details.
  • Schedule seller appointments: Books calls directly on your acquisitions calendar.
  • Answer common FAQs: “How does this work?”, “Who are you?”, “Do I pay fees?”
  • Route hot leads instantly: Sends qualified sellers to your phone or CRM in real time.
  • Warm up cold leads: Handles ongoing nurture sequences with no manual calling required.

Property Evaluation & Due Diligence Tools Powered by AI for Wholesaling Real Estate

AI reduces due diligence time for AI for wholesaling real estate users by automating property evaluation. When you’re wholesaling, the quality of your numbers determines the quality of your deals. If your repair estimate is off, your ARV is off. If your ARV is off, your offer is off. And when your offer is off, your entire deal falls apart. AI repair estimators, automated ARV calculation tools, and property condition AI make the due diligence process faster, more consistent, and far more accurate than traditional methods.

  • AI Repair Estimators: Calculate repair costs using historical data, contractor pricing databases, and property condition analysis.
  • Automated ARV Calculation: Compares dozens of comps instantly, adjusts values automatically, and outputs a confidence-scored ARV.
  • Property Condition AI: Reads listing photos, videos, and descriptions to detect damage, upgrades, layout issues, and deferred maintenance.
  • Document AI: Extracts data from inspection reports, appraisals, and seller disclosures in seconds.
  • Neighborhood Analysis Tools: Identify investor activity, appreciation trends, and local risks.

 

AI Evaluation Tools vs Manual Evaluation
Manual Evaluation AI Evaluation Tools
Requires walking the property and taking notes Analyzes photos and videos instantly to estimate condition
Comps pulled manually and inconsistently Automated ARV calculation uses precise, algorithm-based comps
Repair estimates vary widely by contractor or experience AI repair estimators use standardized pricing and historical data
Slow, subjective, and prone to human error Fast, consistent, and supported by due diligence automation

 

Example: Photo-Based Damage Detection

One of the most impressive applications of property condition AI is its ability to analyze listing photos and detect damage automatically. Tools can flag issues like cracked foundations, roof damage, water stains, mold, outdated electrical panels, and structural concerns—long before you ever set foot on the property. This makes virtual due diligence not only possible but also incredibly reliable, especially when evaluating multiple properties a day.


*For in-depth training on real estate investing, Real Estate Skills offers extensive courses to get you ready to make your first investment! Attend our FREE Webinar Training and gain insider knowledge, expert strategies, and essential skills to make the most of every real estate opportunity that comes your way!

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Integrating AI into Your Wholesaling Business

Successfully adopting AI for wholesaling real estate requires a process-driven approach. The goal isn’t to bolt a bunch of new tools onto your business and hope something sticks. It’s to build a clear, simple wholesaling automation setup that replaces repetitive tasks, improves accuracy, and frees you up to focus on revenue-generating activities like talking to sellers and negotiating contracts. When your AI onboarding is intentional, AI becomes a true business partner—not just software you occasionally log into.

How to Integrate AI Into Your Wholesaling Business (Step-by-Step)

  1. Choose Your Tools: Start with one AI CRM or lead-gen platform that fits your budget and experience level. Avoid piling on too many tools at once.
  2. Set Up Your System: Add your markets, import your leads, customize your tags, and define your automations. This is where your REI system integration begins.
  3. Integrate Across Your Workflow: Connect your CRM → dialer → follow-up sequences → lead scoring engine. This is your automation framework working as one unit.
  4. Test the System: Run sample leads, check conversation flows, and make sure automations trigger correctly. Real-world testing reveals gaps.
  5. Optimize & Scale: Improve scripts, upgrade automations, refine lead scoring, and expand into additional markets as the system starts running smoothly.

Before You Launch AI

  • Define your goals: Are you automating follow-up? Lead generation? Underwriting?
  • Clean your data: Remove duplicates, outdated leads, and messy tags before importing.
  • Standardize scripts: AI performs best when your messaging is clear and consistent.
  • Assign ownership: Decide who monitors AI conversations and reviews flagged leads.
  • Start small: Launch AI on one list or one market before expanding system-wide.

 

How Your AI Tools Connect (The Flow)

  • CRM → Dialer: Your CRM sends new leads directly to your AI or human dialer.
  • Dialer → Lead Scoring: Every conversation is analyzed and automatically scored based on motivation.
  • Lead Scoring → Follow-Up: AI assigns each lead the proper nurture sequence or appointment-setting workflow.
  • Follow-Up → Pipeline: The CRM updates deal stages automatically based on seller responses and actions.
  • Pipeline → KPIs: Activity, conversions, and deal flow are tracked in real time without manual input.

The “People Business” Balance: Human Relationships & Ethical AI in Wholesaling Real Estate

Even with AI for wholesaling real estate, the industry remains rooted in human connection. AI can score leads, analyze data, send messages, and streamline workflows—but it can’t replace the emotional intelligence required to build trust with a homeowner who may be stressed, overwhelmed, or unsure about selling. That’s where ethical AI and human-first wholesaling come together. You use AI to work smarter, but you rely on your people skills to actually close deals.

Human Skills AI Can’t Replace

  • Empathy: Understanding a seller’s fears, needs, and motivations requires a real human connection.
  • Negotiation: AI can gather data, but only you can read tone, personality, and negotiate win-win terms.
  • Trust-Building: Sellers want to know who they're dealing with—your integrity matters.
  • Creative Problem Solving: Structuring deals, navigating family dynamics, or handling curveballs is a human art.
  • Rapport & Reassurance: Your presence calms uncertainty in a way no bot ever will.

Where Human Trust Beats Automation

  • Sensitive Conversations: Discussing divorce, foreclosure, or inheritance requires compassion, not code.
  • In-Person Walkthroughs: Sellers feel safer when a real person meets them and listens.
  • Complex Deal Structuring: Subject-to, novations, seller financing—these require nuance, creativity, and trust.
  • Conflict Resolution: When emotions run high, a human voice—not automation—resolves concerns effectively.

As AI continues to grow in the real estate sector, ethical considerations become more important than ever. Fair housing laws, seller rapport, transparency, and privacy protections must guide how AI tools are implemented. Practicing AI fairness ensures you’re not just using technology efficiently—you’re using it responsibly, respectfully, and in a way that strengthens your reputation as a trusted real estate professional.

Future Trends & Predictions for AI in Wholesaling Real Estate

The future of AI for wholesaling real estate includes major leaps in predictive tools and automation. What we’re seeing today—AI lead scoring, automated follow-up, voice AI, smart CRMs—is just the beginning. Over the next few years, wholesalers will shift from “using AI tools” to running businesses where AI is embedded into almost every part of the acquisitions and dispositions process.

As the future of real estate AI evolves, expect technology to move beyond simple task automation and into deep analysis, market forecasting, and autonomous decision-making. Next-gen automation won’t just tell you who might sell—it will predict when, why, and how to approach that seller to maximize conversion. Many wholesalers will eventually run leaner, faster businesses supported by predictive wholesaling tools that outperform traditional teams.

We’ll also see more immersive deal evaluation and property walkthrough technology. VR inspections, AI-generated renovation estimates, and satellite-based condition scoring will allow investors to confidently evaluate properties without ever setting foot inside. These AI-driven real estate trends will unlock nationwide wholesaling at a scale we’ve never seen before.

Finally, as artificial intelligence integrates more deeply into real estate, negotiation tools and real-time market forecasting will give wholesalers an even greater advantage. AI won’t replace you—it will give you a sharper edge, faster decisions, and more profitable deals.

  • Autonomous CRMs: Systems that make decisions, assign tasks, and run operations without manual input.
  • AI Negotiation Assistants: Real-time scripts, objection responses, and seller psychology profiling.
  • VR Inspections: Remote property evaluations powered by AI-enhanced image and condition scoring.
  • Predictive Market Forecasting: AI models that anticipate price movements and neighborhood trends with high accuracy.

What Wholesalers Should Prepare For

  • AI as a team member: Not a tool you use—an assistant that runs major parts of your business.
  • More national competition: As VR inspections and remote acquisitions grow, markets become more accessible.
  • Faster deal cycles: Underwriting, lead intake, and evaluation will take minutes instead of days.
  • Higher expectations from sellers: With faster technology, sellers will expect faster responses and stronger solutions.

 

Frequently Asked Questions About AI for Wholesaling Real Estate

These FAQs address the biggest questions investors ask about AI for wholesaling real estate. If you’re new to AI or trying to figure out how it fits into your wholesaling business, these quick, clear answers will help you get up to speed fast. Each response is written to satisfy Google’s People Also Ask (PAA) intent, giving readers straightforward, actionable guidance.

Is AI legal to use in wholesaling?

Yes, using AI in wholesaling is legal as long as you follow your state’s real estate and disclosure laws. Think of AI as a tool that helps you work smarter, not something that changes the legal rules of the business.

Can AI actually find motivated sellers?

Absolutely. AI builds motivated seller lists by analyzing distress signals, equity levels, ownership data, and behavioral indicators to pinpoint who’s most likely to sell soon.

How much do AI tools cost?

The cost of AI tools ranges from free options to full platforms priced between $49 and $299 per month. Pricing depends on features like lead scoring, automation, and voice AI capabilities.

Do I need to be tech-savvy to use AI?

No, you don’t need any technical background. Most AI tools for beginners in real estate are plug-and-play with simple onboarding and guided setup.

Can AI replace cold callers?

In many cases, yes. AI call agents can qualify sellers, overcome objections, and schedule appointments just like a trained cold caller.

Does AI help with analyzing deals?

Yes, AI can automate ARV calculations, estimate repairs, run comps, and highlight risks in seconds. This helps wholesalers make faster, more accurate offers.

Will AI replace the wholesaler’s job?

No, AI supports your business, but it can’t replace human skills like negotiation and rapport-building. You still close the deal; AI just helps you get to the conversation faster.

What’s the best AI tool for a beginner?

Start with an AI CRM or a motivated seller prediction tool. These give you the fastest results with the simplest learning curve.

Final Thoughts on Using AI For Wholesaling Real Estate

AI for wholesaling real estate gives investors an unfair advantage when paired with strong negotiation and people skills. At the end of the day, AI is not here to replace you—it’s here to remove the busywork, sharpen your decision-making, and help you connect with motivated sellers faster than ever. The wholesalers who embrace predictive tools, automation skills, and AI-driven analysis are the ones who will dominate their markets in the coming years.

But technology alone won’t build your business. You still need the right strategy, the right conversations, and the right foundation. When AI is combined with proper wholesaling training and real estate investing education, you can scale faster, close more deals, and run a business that feels organized, predictable, and exciting.

  • Choose one AI tool to integrate into your business this week.
  • Set up a simple CRM + follow-up automation workflow.
  • Use AI tools to pull and score motivated seller lists.
  • Practice stronger negotiation and in-person rapport to complement your automation.
  • Continue leveling up through ongoing education and structured systems.

If you’re serious about doing your first real estate deal, don’t waste time guessing what works. Our FREE Training walks you through how to consistently find deals, flip houses, and build passive income—without expensive marketing or trial and error.

This FREE Training gives you the same system our students use to start fast and scale smart. Watch it today—so you can stop wondering and start closing.


*Disclosure: Real Estate Skills is not a law firm, and the information contained here does not constitute legal advice. You should consult with an attorney before making any legal conclusions. The information presented here is educational in nature. All investments involve risks, and the past performance of an investment, industry, sector, and/or market does not guarantee future returns or results. Investors are responsible for any investment decision they make. Such decisions should be based on an evaluation of their financial situation, investment objectives, risk tolerance, and liquidity needs.

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