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The opinions and recommendations expressed herein are those of CapTrust Financial Advisors and do not necessarily reflect those of McDonald Partners, LLC. CapTrust Financial Advisors is affiliated with McDonald Partners LLC. Securities products, insurance products, brokerage services and investment advisory services are offered by McDonald Partners, LLC, a dually registered broker-dealer and investment adviser, and a member FINRA, and SIPC. Registration as an investment adviser does not imply a certain level of skill or training. For a detailed discussion of McDonald Partners and its investment advisory services and fees, see the firm's Form ADV on file with the SEC at www.adviserinfo.sec.gov.