Best Pre-Construction Condos in Brickell 2026: Complete Ranking and Guide

Brickell is Miami's financial district, its densest residential corridor, and the single most active luxury condo market in South Florida. As of July 2026 I track 11 major pre-construction projects competing for your attention, from House of Wellness at roughly $390,000 to St. Regis Residences above $4.6M. If you are buying in Brickell in 2026, you need a clear framework for comparing these projects. That is exactly what this guide provides. It leads with a July 2026 construction status check, because in this cycle the single biggest risk is not price, it is a developer that cannot finish the tower.

I have personally visited every sales gallery in Brickell, reviewed every set of condo documents, and analyzed the deposit structures, developer track records, and pricing trajectories for each project. This is not a collection of marketing brochures. It is a data-driven ranking based on value, build quality, developer reputation, and long-term investment potential. For the citywide version that ranks Brickell against Edgewater, Sunny Isles, and Bal Harbour, see my best Miami pre-construction condos for 2026 guide.

Here is what makes 2026 different from previous years: Brickell is sitting at 19.2 months of condo inventory according to the Miami Association of Realtors. That is well above the 6-month threshold that defines a balanced market. For buyers, this means negotiating power. For investors, it means being selective. The days of buying any pre-construction unit in Brickell and expecting automatic appreciation are over. The projects that perform will be the ones with genuine differentiation.

"Brickell inventory has shifted the power dynamic. Buyers who do their homework have real negotiating room on deposits, upgrades, and closing credits right now. But that advantage only matters if you pick the right building."

- Gerardo Gonzalez, Licensed Agent at Compass

July 2026 Construction Status: Where Every Tower Stands

This is the section that changed most since I first published this guide. Pre-construction pricing means nothing if the building does not get built, so before the rankings, here is exactly where each Brickell tower stood in July 2026, with the source for every milestone.

• Cipriani Residences (leading the pack): Topped out at 872 feet across 80 stories on April 21, 2026, making it the tallest residential tower south of Manhattan, according to Florida YIMBY. 397 residences at 1420 South Miami Avenue, developed by Mast Capital, from $1.8M, completion targeted 2027.
• Baccarat Residences: Passed the 40th floor as of March 13, 2026, heading to a 75-story, roughly 835-foot apex on the Miami River, per Florida YIMBY. Related Group and GTIS Partners, 360 residences, top-out expected later in 2026, completion early 2028.
• St. Regis Residences: Under construction since its November 21, 2024 groundbreaking at 1809 Brickell Avenue, per Florida YIMBY. Related Group and Integra Investments, 152 residences, completion targeted 2027.
• LOFTY Brickell and The Standard Residences: Both topped out and had their architectural crowns installed by June 2026 at One Brickell Riverfront, with completion guided to August 2027, per Florida YIMBY. LOFTY is 44 stories/362 units; The Standard is 46 stories/422 units.
• 888 Brickell by Dolce & Gabbana: The 1,049-foot, 81-story, 259-residence condo-hotel cleared Miami-Dade planning approvals and JDS Development is arranging construction financing, per Florida YIMBY. This one is still pre-groundbreaking.
• 1428 Brickell: Ytech completed the foundation pour and is building a 70-story tower with 195 east-facing residences, per Florida YIMBY. From $2.3M.
• Mercedes-Benz Places (the caution flag): The nearly 800-unit, two-tower JDS project is stalled and in foreclosure litigation with lender Cottonwood Management. As of June 2026, JDS was nearing a deal to bring in Jeff Soffer's Fontainebleau Development and a roughly $1.06 billion loan to resolve the suit and resume work, according to The Real Deal. I cover the buyer implications below.

My advice on Brickell right now is simple: separate the tower that is topping out from the tower that is still fighting for its construction loan. Two Brickell projects sit at opposite ends of that spectrum this year, and the price sheet will not tell you which is which. The source links above will.

Why Brickell Specifically

Before ranking the individual projects, it is worth understanding why Brickell continues to attract more pre-construction development than any other Miami neighborhood. The fundamentals are strong even as inventory rises.

My Brickell pre-con ranking comes down to the builder and the line you choose. A great developer on a low floor can still disappoint, so read the rank with the specific stack in mind.

Brickell's Walk Score of 93 makes it the most walkable neighborhood in Miami by a significant margin. You can live here without a car, something that is nearly impossible anywhere else in South Florida. Brickell City Centre provides 500,000+ square feet of retail and dining. The Brightline station connects Brickell directly to Fort Lauderdale (30 minutes), West Palm Beach (60 minutes), and Orlando (3.5 hours). For buyers relocating from New York, Chicago, or international markets, this level of walkability and transit access is a major draw.

The financial district concentration also creates consistent rental demand. Major banks, hedge funds, law firms, and tech companies have established Brickell offices. According to the Miami Downtown Development Authority, over 80,000 people work in the greater Brickell and Downtown corridor. That employment base supports strong occupancy rates even during periods of high supply.

The 54% cash buyer rate in Brickell luxury transactions, according to NAR data, provides a structural buffer against the kind of forced selling that plagued Miami during the 2008 downturn. These are not leveraged buyers who will panic at interest rate movements. They are capitalized buyers making strategic allocation decisions.

Complete Ranking: Every Brickell Pre-Construction Project

I have ranked these nine projects based on a combination of factors: developer track record, build quality, pricing relative to comparable product, location within Brickell, amenity differentiation, and long-term resale potential. This is not a list of "most expensive to least expensive." It is a ranking of overall value and quality.

1. St. Regis Residences Brickell - Starting at $4.6M

The St. Regis sets the standard. This is the project every other Brickell tower is measured against. With only 152 residences, it is the most exclusive development in the neighborhood by unit count. The Marriott International brand brings a 120-year hospitality legacy, dedicated butler service, and a global recognition factor that matters at resale.

Developer Integra Investments has built a reputation for careful execution. The low unit count means less resale competition when you eventually sell. The St. Regis brand has demonstrated consistent value premiums across markets from New York to Dubai. At $4.6M and up, this is not an entry-level purchase. It is a trophy asset in the most liquid luxury market in the Americas.

Best for: Ultra-high-net-worth buyers who want the top branded product in Brickell with maximum exclusivity and long-term value retention.

2. Dolce & Gabbana Residences - Starting at $2.5M

The fashion-branded supertall is the most visually striking addition to Brickell's skyline. Every unit comes fully furnished with D&G-designed interiors, a level of finish that eliminates the $200K+ most buyers spend on interior design after closing. The tower will be one of the tallest in Miami, delivering panoramic views from virtually every floor.

JDS Development is the force behind this project. Their track record includes some of the most notable supertall projects in New York. The fully furnished approach simplifies the ownership experience and creates a consistent aesthetic throughout the building that protects property values. The D&G brand resonates particularly strongly with Latin American and European buyers.

Best for: Style-conscious buyers who want a turnkey, fully furnished luxury residence with strong international brand recognition and statement-level design.

3. Cipriani Residences Miami - Starting at $1.8M

Cipriani is the vertical leader in the branded luxury segment. It topped out at 872 feet across 80 stories in April 2026, making it the tallest residential tower south of Manhattan, according to Florida YIMBY. Developed by Mast Capital, the Cipriani brand brings Italian hospitality DNA with a built-in restaurant, a 37th-floor speakeasy, and a social club that creates genuine lifestyle value beyond the typical amenity package.

Pricing now starts at $1.8M, with ultra-luxury units from $4.1M. Being nearly built removes a major variable: with 397 residences at 1420 South Miami Avenue and completion targeted for 2027, buyers here are closer to keys than at almost any other tower on this list. Mast Capital has been methodical about their Miami development approach, and the Cipriani partnership adds credibility that standalone developer projects cannot match.

Best for: Buyers who want branded luxury at a more accessible price point, with the social and dining lifestyle that the Cipriani name delivers.

4. 1428 Brickell - Starting at $2.3M

This is the design-forward pick. Antonio Citterio, the Italian architect behind Bulgari Hotels globally, designed the interiors. The building is solar-powered, making it one of the first sustainable luxury towers in Miami. For buyers who care about environmental credentials alongside design quality, 1428 Brickell occupies a unique position in the market.

The sustainability angle is increasingly relevant. ESG-conscious buyers from Europe and the Northeast are specifically seeking green-certified residential products. The solar power system reduces HOA costs and provides a marketing advantage that will only grow as climate awareness increases. At $2.3M and up, this targets the buyer who wants substance over flash.

Best for: Design-driven buyers who prioritize architectural pedigree, sustainability, and long-term differentiation in a market increasingly saturated with generic luxury.

5. Baccarat Residences - Starting at $1M

Related Group is Miami's most prolific developer, and the Baccarat brand brings the crystal-house heritage into residential real estate. The dual river and bay exposure gives this project a location advantage that most Brickell towers cannot replicate. Water views from both directions are rare in a neighborhood where many buildings face other buildings.

Related Group's track record speaks for itself. They have delivered more Miami condo units than any other developer. The Baccarat brand, owned by LVMH, adds a layer of luxury credibility. At $1M starting, this sits in the sweet spot between accessible luxury and genuine brand premium. The river and bay location also provides more breathing room than the dense Brickell Avenue corridor.

Best for: Buyers who want a proven developer, strong brand, and dual waterfront exposure at a mid-tier luxury price point.

6. Mercedes-Benz Places - Starting at $550K

JDS Development's second Brickell project takes a different approach than their D&G tower. Mercedes-Benz Places targets a younger, more practical buyer with Miele-equipped kitchens, Mercedes-branded design language, and a starting price that makes branded living accessible to a broader market. The automotive brand crossover has proven successful globally (see: Porsche Design Tower in Sunny Isles).

At $550K entry, this is one of the most accessible branded pre-construction options in all of Miami. The Miele kitchen package alone represents significant value, as those appliances typically cost $15K to $25K when purchased separately. On paper, for first-time luxury buyers or investors looking at rental yield in a branded building, Mercedes-Benz Places offers a compelling value equation.

The honest caution for July 2026: this is the one Brickell project I am telling buyers to watch before wiring a deposit. The nearly 800-unit, two-tower development is stalled and in foreclosure litigation with lender Cottonwood Management. As of June 2026, JDS was nearing a deal to bring in Jeff Soffer's Fontainebleau Development and a roughly $1.06 billion loan to resolve the suit and restart construction, according to The Real Deal. If that financing closes, the value story returns. Until it does, verify escrow protection on your deposit and confirm the construction timeline in writing before signing.

Best for: First-time luxury buyers, young professionals, and investors who want branded building cachet at an accessible price point, provided the new financing closes and construction resumes.

7. LOFTY Brickell - Starting at $500K

LOFTY is the investor's building. It is purpose-built for short-term rental flexibility with no minimum lease restrictions, turnkey furnished units, and a rental management program. In a market where most Brickell condos restrict rentals to 6 or 12 month minimums, LOFTY is the only major pre-construction project that fully embraces the vacation rental model.

The $500K starting price is the lowest entry point in Brickell pre-construction. For investors focused on Airbnb-style income and maximum flexibility, there is no direct competitor. The turnkey approach also eliminates the furniture and setup costs that typically add $30K to $75K to a new condo purchase. If your strategy is income generation first and appreciation second, LOFTY is the clear choice.

Best for: Short-term rental investors, Airbnb operators, and buyers who want maximum rental flexibility with the lowest possible entry price in Brickell.

8. The Standard Brickell - Starting at $600K

The Standard brand is known for creating community-driven, lifestyle-heavy properties. The Brickell location includes amenities you will not find in any other building in the neighborhood: a bowling alley, recording studio, and co-working spaces designed for remote workers. This is the most socially oriented building in Brickell's pre-construction pipeline.

At $600K, The Standard offers branded living at a price point between LOFTY and the mid-tier luxury projects. The brand appeals to a younger demographic that values experience and community over traditional luxury signifiers. The Standard's hotel guests also create a built-in social ecosystem that standalone residential buildings lack. Flexible rental options add investment appeal.

Best for: Lifestyle-focused buyers under 45 who want a social, community-driven building with creative amenities and branded hospitality infrastructure.

9. Mandarin Oriental Residences - Starting at $3.5M

Mandarin Oriental occupies a unique position in this ranking because of its Brickell Key location. This is not technically on the Brickell mainland. It is on an island connected by a single bridge, which creates a sense of privacy and separation that no mainland tower can replicate. The Mandarin Oriental brand brings Asian-influenced hospitality, world-class spa programming, and a quieter living environment.

The island setting means lower density, less street noise, and direct waterfront on all sides. For buyers who want to be near Brickell's energy without living in the middle of it, this is the answer. The trade-off is reduced walkability to Brickell's restaurants and shops. At $3.5M and up, this targets end-users and second-home buyers rather than yield-focused investors. For a full breakdown of bay-proximate options, see my guide to waterfront condos in Brickell.

Best for: End-users who prioritize privacy, low density, and resort-level service in a waterfront island setting adjacent to Brickell rather than in the thick of it.

New for 2026: Two Brickell Launches to Add to Your Shortlist

Two Brickell projects announced or launched sales in the first half of 2026 that were not part of the original nine. They sit at opposite ends of the price spectrum, and both are worth watching.

10. House of Wellness Brickell - Starting at $390K

North Development announced House of Wellness Brickell on February 17, 2026, a 34-story tower with 656 residences at 152 SW 9th Street, according to Florida YIMBY. Pricing starts around $390,000, which now makes it the lowest entry point in Brickell pre-construction, below LOFTY. The concept is built around an integrated wellness program: studio to two-bedroom floor plans, over 22,000 square feet of amenities including a spa with hammam, a dog spa, co-working, and a building-wide water purification system. Sales are underway.

Best for: Entry-level and wellness-focused buyers who want the lowest price point in Brickell with a differentiated amenity story, and investors chasing yield on smaller units.

11. B Residences by Breitling - Announced June 2026

The newest branded arrival is B Residences, a Breitling-branded tower from Swiss firms Partners Group and Empira Group, announced June 25, 2026, according to The Real Deal. The plan is a 70-story high-rise with more than 300 residences on a one-acre Brickell site, designed by Arquitectonica, with a 45,000-square-foot residents' club. This is Breitling's first branded residential project. It is the earliest-stage option on this list: construction is slated to start in late 2028 with completion targeted for 2031, so buyers here are underwriting a longer horizon and a first-mover brand bet.

Best for: Early-stage buyers who want to lock in first-release pricing on a new luxury watch brand's debut residences and can wait on a 2031 delivery.

Price Per Square Foot Comparison

Price per square foot is the most reliable metric for comparing across projects with different unit sizes. Here is how all nine Brickell pre-construction projects stack up.

The spread is significant. From LOFTY at $800 per square foot to St. Regis at $2,800+, you are looking at a 3.5x price range within the same neighborhood. That kind of spread creates opportunity for buyers who understand exactly what drives the premium at each tier. Price per square foot is only part of the picture. HOA fees, special assessment risk, property taxes, and insurance add $30,000 to $120,000 per year in carrying costs depending on the building. My true cost of owning a Miami luxury condo guide models the full annual carry for each price tier.

Deposit Structure Comparison

Deposit structures vary significantly across projects. Understanding how much capital is locked up during construction is critical for financial planning.

In a market with 19.2 months of inventory, deposit structures are negotiable. I have seen developers reduce upfront requirements by 5 to 10 percentage points to close deals, especially for buyers purchasing in the first phase. If you are buying in mid-2026, ask about adjusted deposit schedules. The answer may surprise you. My complete pre-construction buyer's guide walks through every stage of the purchase process, from reservation to closing, including how to evaluate contract terms and what to negotiate.

Which Building for Which Buyer Profile

The right building depends entirely on who you are. Here is how I match buyer profiles to specific projects based on conversations with hundreds of Brickell buyers over the past two years.

The End-User (Primary Residence)

If you are moving to Brickell full-time and prioritize living quality over investment returns, look at St. Regis (if budget allows), 1428 Brickell (for design quality), or Mandarin Oriental (for privacy and space). These three projects prioritize residential experience over unit count. Lower density means quieter living, less elevator traffic, and better common area maintenance over time.

The Investor (Rental Income Focus)

LOFTY Brickell is the obvious choice for short-term rental investors. No minimum lease restriction, turnkey furnished units, and the lowest entry price. For long-term rental investors who want branded building appeal at a reasonable price, Mercedes-Benz Places and The Standard offer strong rental demand at price points that generate reasonable yields.

The Family Buyer

Mandarin Oriental on Brickell Key is the best family option. The island setting provides security, lower traffic, and a neighborhood feel that mainland Brickell cannot deliver. For current pricing, see my Brickell Key condo price report. Baccarat Residences is a secondary option with its river and bay exposure providing more open space and outdoor amenity access than dense corridor locations.

The Trophy Buyer

St. Regis and Dolce & Gabbana are in a different category. These are statement purchases for buyers who want the most exclusive, most recognized addresses in Brickell. The St. Regis wins on hospitality heritage and exclusivity (152 units). D&G wins on design spectacle and the supertall factor. Both will command premium resale values.

The First-Time Luxury Buyer

Baccarat Residences at $1M offers the best balance of brand, quality, and accessible pricing for a first branded purchase, with dual waterfront exposure and a proven Related Group developer. If near-term delivery matters more than entry price, Cipriani Residences at $1.8M is already topped out as the tallest residential tower south of Manhattan and targets 2027 keys, the closest thing to a finished branded Brickell tower you can still buy pre-construction.

Brickell Market Data: What the Numbers Say

Here are the numbers that matter for making a buying decision in Brickell right now.

The 19.2 months of inventory is the headline number. According to the Miami Association of Realtors, anything above 9 months indicates a buyer's market. Brickell is well past that threshold. But context matters. The ultra-luxury segment above $3M is tighter, with faster absorption and stronger demand from all-cash buyers. The inventory pressure is concentrated in the $500K to $1.5M range, where multiple projects compete for the same buyer pool.

The 54% cash buyer rate is the stabilizing factor. According to NAR international transaction data, Miami's cash buyer concentration is among the highest of any major U.S. metro. Cash buyers do not face mortgage qualification risk, rate sensitivity, or forced selling pressure. This structural advantage makes Brickell more resilient than markets dependent on financed buyers.

Gerardo's Picks by Budget Level

After two years of tracking every project and walking every sales gallery, here are my specific recommendations by budget.

Under $700K: LOFTY Brickell

At this budget, LOFTY is the clear winner. The short-term rental flexibility, turnkey approach, and lowest entry price in Brickell make it the most practical choice for investors and budget-conscious buyers. Mercedes-Benz Places at $550K is a close second if you want a branded name and plan to hold long-term.

$700K to $1.5M: Baccarat Residences

At $1M, Baccarat is the branded-luxury value pick in this bracket, with dual river and bay exposure and a Related Group track record. It passed its 40th floor in March 2026 on the way to a 75-story apex, so construction risk is low. For the lowest-cost path into a new Brickell building, LOFTY at $500K remains the alternative if rental flexibility matters more than brand.

$1.5M to $3M: Cipriani Residences

At $1.8M, Cipriani is my pick at this level: it is already topped out as the tallest residential tower south of Manhattan and targets 2027 keys, which is rare certainty in pre-construction. 1428 Brickell at $2.3M is the choice if you are buying for Antonio Citterio's design and the solar-powered sustainability story, and 888 Brickell by Dolce & Gabbana at $2.5M if you prioritize the fully furnished supertall package.

$3M+: St. Regis Residences

No contest at this tier. The St. Regis brand, 152-unit exclusivity, and Marriott International backing make this the safest store of value in Brickell pre-construction. Mandarin Oriental at $3.5M is the pick if you prefer island living on Brickell Key and want a quieter, more private environment.

Frequently Asked Questions About Brickell Pre-Construction

What pre-construction condos are available in Brickell right now?

As of July 2026, the active Brickell pre-construction condos are: St. Regis Residences (from $4.6M), 888 Brickell by Dolce and Gabbana (from $2.5M), Cipriani Residences (from $1.8M), 1428 Brickell (from $2.3M), Baccarat Residences (from $1M), Mandarin Oriental Residences (from $3.5M), Mercedes-Benz Places (from $550K, currently stalled in foreclosure per The Real Deal), The Standard (from $600K), LOFTY Brickell (from $500K), House of Wellness (from $390K), and the newly announced B Residences by Breitling. That is 11 towers spanning $390K to well over $10M.

What are the best pre-construction condos in Brickell for 2026?

The strongest Brickell pre-construction projects for 2026 include St. Regis Residences (ultra-luxury from $4.6M), 888 Brickell by Dolce and Gabbana (supertall from $2.5M), Cipriani Residences (tallest residential south of Manhattan, from $1.8M), 1428 Brickell (solar-powered from $2.3M), Baccarat Residences (from $1M), LOFTY Brickell (from $500K), The Standard (from $600K), and Mandarin Oriental (from $3.5M). New 2026 launches House of Wellness (from $390K) and B Residences by Breitling round out the field. Each targets a specific buyer profile and investment strategy.

Is Brickell a buyers market in 2026?

Yes. With 19.2 months of condo inventory, Brickell is firmly in buyer's market territory. Anything above 6 months favors buyers, and Brickell is more than three times that threshold. This gives buyers room to negotiate on deposits, upgrade packages, and closing cost credits. The ultra-luxury segment above $3M is somewhat tighter, but even there, buyers have more options than in previous years.

What is the cheapest pre-construction condo in Brickell?

House of Wellness Brickell, announced in February 2026, now offers the lowest entry point at approximately $390,000, per Florida YIMBY. LOFTY Brickell starts around $500,000, Mercedes-Benz Places around $550,000, and The Standard at roughly $600,000. These represent the most accessible pre-construction options in Brickell for 2026 buyers.

What is the average price per square foot in Brickell in 2026?

The average pre-construction price per square foot in Brickell is approximately $1,650 as of Q1 2026. However, the range is dramatic. Ultra-luxury projects like St. Regis and Dolce and Gabbana command $2,500 to $3,000+ per square foot, while more accessible projects like LOFTY and Mercedes-Benz Places sit in the $800 to $1,100 range.

Can you do short-term rentals in Brickell pre-construction condos?

Most Brickell pre-construction condos impose minimum lease periods of 6 to 12 months. LOFTY Brickell is the notable exception. It was specifically designed for short-term rental flexibility with no minimum lease requirement. The Standard also offers a flexible rental program. If short-term rental income is your strategy, verify the rental restrictions in the condo documents before purchasing any unit.

What deposit structure do Brickell pre-construction condos require?

Most projects follow a staged deposit schedule totaling 20% to 50% of the purchase price during construction. A typical structure is 10% at contract, 10% at groundbreaking, and 10% at top-off. Ultra-luxury projects like St. Regis and Mandarin Oriental may require 40% to 50% total deposits. In the current market, some developers are offering reduced deposit schedules to attract buyers. My Miami pre-construction buying process guide covers every payment milestone, what escrow protects you from, and how to negotiate deposit terms in a buyer's market.

Is Brickell a good investment for international buyers?

Brickell is one of Miami's strongest neighborhoods for international buyers. The 54% cash buyer rate reflects heavy international and domestic investor participation. Walk Score 93, Brightline rail access, Brickell City Centre, and the concentration of financial offices make Brickell attractive for buyers from Latin America, Europe, and the Northeast U.S. who want a primary or secondary residence with strong rental demand. International buyers should also review the complete guide for foreign nationals buying Miami real estate, which covers financing options, FIRPTA considerations, and LLC structuring for non-U.S. residents. Country-specific FIRPTA withholding rates, property tax obligations, and capital gains treatment are detailed in my Miami real estate tax guide for international buyers.

When will Brickell pre-construction condos be delivered?

Delivery timelines vary by project and reflect verified July 2026 construction status. Cipriani Residences topped out in April 2026 and targets 2027 completion. St. Regis Residences, under construction since November 2024, also targets 2027. LOFTY Brickell and The Standard both topped out and target August 2027, per Florida YIMBY. Baccarat Residences, past its 40th floor, targets early 2028. 888 Brickell by Dolce and Gabbana is still pre-groundbreaking, so its delivery is not yet set. B Residences by Breitling is the furthest out, with construction slated to start in late 2028 and completion in 2031, per The Real Deal. Mercedes-Benz Places is stalled in foreclosure and its timeline depends on new financing closing. Buyers should plan for 6 to 12 months of potential construction delays beyond published timelines.

Related Articles

• Brickell vs Edgewater vs Sunny Isles: Where to Buy Pre-Construction in 2026
• St. Regis Brickell: Prices, Floor Plans, and Investment Analysis 2026
• Latin American Investors and Miami Real Estate in 2026

Explore All 15 Miami Pre-Construction Projects for 2026 →

Data sources: Miami Association of Realtors Q1 2026 Market Report, National Association of Realtors Profile of International Transactions 2025, Miami Downtown Development Authority Employment Data 2026, and publicly available neighborhood walkability rankings. Information compiled from sources deemed reliable but not guaranteed; readers should verify current terms with their own advisors.

Market data as of April 2026. This article is for informational purposes only and does not constitute financial or investment advice.

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