Important Disclosures

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This website (“Website”) is a publication of SBK Financial, Inc. which is a registered investment adviser with a primary business location in Richmond, Virginia. SBK may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that SBK has attained a certain level of skill, training, or ability. The Website is limited to the dissemination of general information pertaining to SBK’s advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Website should not be construed by any client or prospective client as SBK’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 SBK with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration as applicable. Users of this Website are encouraged to obtain a copy of SBK’s current written disclosure statement discussing SBK’s business operations, services, fees, and applicable conflicts of interest, which is available from SBK upon request or by searching for SBK at the following link: www.adviserinfo.sec.gov.

Each user of this Website (“User”) agrees, as a condition precedent to accessing the Website, to release and hold harmless SBK, its officers, directors, owners, shareholders, employees, agents, and affiliates from any and all adverse consequences resulting from any actions or omissions that are independent of receiving personalized individual advice from SBK.

To the extent that any User accesses any economic calculator or similar interactive device contained within or linked to the Website, the User 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 SBK, or from any other investment professional.

Past performance may not be indicative of future results. 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 SBK), will be profitable or equal any historical performance level(s). All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark.

Any index performance data appearing on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index for comparison purposes only. SBK makes no warranty, express or implied, for any decision taken by any party in reliance upon such indices. Investors cannot invest directly in an index.

Certain portions of the Website (e.g. newsletters, articles, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to SBK’s (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). While information presented is believed to be factual and up-to-date, SBK does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from SBK or from any other investment professional. A professional advisor should be consulted before implementing any of the options presented. The tax and estate planning information provided is general in nature. It is provided for informational purposes only, and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.

Photos and images on this Website are not past or present clients of SBK. These photos should not be construed as an endorsement of SBK or its representatives by any client.

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 such client will experience a certain level of results if SBK is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of SBK 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. Further, such third-party rankings or recognition are no guarantee of future investment success. Working with a highly-rated advisor does not ensure that a client or prospective client will experience a higher level of performance. These ratings should not be construed as an endorsement of SBK by any client.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP^®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.