text:  The preceding program is furnished by Creative Planning, who along with its affiliate, United Capital Financial Advisors, currently manages or advises on a combined $300 billion in assets as of December 31, 2023. John Higginson works for Creative Planning, and all opinions expressed by John or his guests are solely their own and do not represent the opinion of Creative Planning or this station. This show is designed to be informational in nature and does not constitute investment, tax, or legal advice. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy,