IMPORTANT DISCLOSURE INFORMATION
The Retirement Answer Man (“RAM”) is an SEC registered investment adviser located in Fort Worth, Texas. RAM and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which RAM maintains clients. RAM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. RAM’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of RAM’s web site on the Internet should not be construed by any consumer and/or prospective client as RAM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by RAM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of RAM, please contact the SEC or the state securities regulators for those states in which RAM maintains a notice filing. A copy of RAM’s current written disclosure statement discussing RAM’s business operations, services, and fees is available from RAM upon written request. RAM does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RAM web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please remember that 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 (including those undertaken or recommended by RAM), will be profitable or equal any historical performance level(s).
Certain portions of RAM’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, RAM (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from RAM, or from any other investment professional. RAM is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if RAM is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of RAM by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to RAM’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RAM, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to RAM’s web site, to release and hold harmless RAM, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from RAM.