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IMPORTANT
DISCLOSURE INFORMATION
Thalheimer Financial
Planning ("TFP") is a state registered investment
adviser located in Silver Spring, Maryland. TFP and its representatives
are in compliance with the current filing requirements imposed
upon registered investment advisers by those states in which
TFP maintains clients. TFP may only transact business in those
states in which it is registered, or qualifies for an exemption
or exclusion from registration requirements. TFP'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 TFP's web site on the Internet should not
be construed by any consumer and/or prospective client as
TFP'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 TFP 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 TFP, please contact
the state securities law administrators for those states in
which TFP maintains a registration filing. A copy of TFP's
current written disclosure statement discussing TFP's business
operations, services, and fees is available from TFP upon
written request. TFP 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 TFP's 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.
Past performance
may not be indicative of future results. Therefore, no current
or prospective client should assume that future performance
of any specific investment, investment strategy (including
the investments and/or investment strategies recommended or
undertaken by TFP) or product made reference to directly or
indirectly by TFP in its web site, or indirectly via a link
to an unaffiliated third party web site, will be profitable
or equal the corresponding indicated performance level(s).
Different types of 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 or prospective
client's investment portfolio. Historical performance results
for investment indices and/or categories generally do not
reflect the deduction of transaction and/or custodial charges,
the deduction of an investment management fee, nor the impact
of taxes, the incurrence of which would have the effect of
decreasing historical performance results.
Certain portions
of TFP's web site (i.e. newsletters, articles, commentaries,
etc.) may contain a discussion of, and/or provide access to,
TFP'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). Moreover, no client or prospective
client should assume that any such discussion serves as the
receipt of, or a substitute for, personalized advice from
TFP, or from any other investment professional. TFP is neither
an attorney nor accountant, and no portion of the web site
content should be interpreted as legal, accounting or tax
advice.
To the extent that
any client or prospective client utilizes any economic calculator
or similar device contained within or linked to TFP'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 TFP, or from any
other investment professional.
Each client and
prospective client agrees, as a condition precedent to his/her/its
access to TFP's web site, to release and hold harmless TFP,
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 TFP.
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