Fee-only Sole Practitioner:

Website should not be construed by any client or prospective client as a solicitation to effect or attempt securities transactions, or for the rendering of personalized investment advice for compensation over the Internet. Visitors to the FPS website acknowledge that different investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's or prospective client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this website serves as the receipt of, or substitutes for, personalized individual advice from the advisor or any other professional.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy, or service made reference to directly or indirectly on this website, or via link to any unaffiliated third-party website, will be profitable or equal to corresponding indicated performance levels. Moreover, client or prospective client acknowledges that information with respect to newsletters or other commentaries provided by the investment advisor may be dated and no longer reflect the opinion of the advisor. Any research is based on FPS research and analysis of global markets and investing. The information and/or analysis contained in this material have been compiled or arrived at from sources believed to be reliable, however FPS does not make any representation as their accuracy or completeness and does not accept liability for any loss arising from the use hereof. Some internally generated information may be considered theoretical in nature and is subject to inherent limitations associated therein. Any sectors or allocations referenced may or may not be represented in portfolios of clients of FPS or its affiliates, and do not represent all of the securities purchased, sold or recommended for client accounts.