Information provided on the Retirement Planology, Inc. website is intended to provide general information on matters of interest only. The user accepts full responsibility for the use of this website or for the use of any information provided on this website. The information on this website does not constitute consulting, investment, legal, tax, or any other type of professional advice, and should be used only in conjunction with the appropriate professional advisors.

No part of this site may be reproduced or transmitted in any form or by any means, electronic or mechanical, which includes but is not limited to facsimile transmission, photocopying, recording, re-keying, or using any information storage or retrieval system, without express written permission from the copyright owner. Requests for permission or further information should be directed to Retirement Planology, Inc.

Retirement Planology Inc. ("Retirement Planology”) is headquartered in Virginia. Retirement Planology and its representatives are in compliance with the current registration requirements of the United States Securities and Exchange Commission and those states in which Retirement Planology maintains clients. Registration as an investment adviser is not indicative of any level of skill or training.  Retirement Planology's website is limited to the dissemination of general information pertaining to its investment advisory and pension consulting services. Accordingly, the publication of the Retirement Planology website on the internet should not be construed by any consumer and/or prospective client as Retirement Planology'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 Retirement Planology 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. A copy of Retirement Planology's current written disclosure statements discussing Retirement Planology's business operations, services, and fees is available from Retirement Planology upon request. Retirement Planology 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 Retirement Planology's website or incorporated herein and takes no responsibility thereof. 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 the future performance of any specific investment, investment opinion, or investment strategy (including the investments and/or investment strategies recommended by Retirement Planology) on its website, or indirectly via a link to an unaffiliated third party website, 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 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 Retirement Planology's website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, opinions about, and/or provide access to, Retirement Planology'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 recommendations(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 Retirement Planology, or from any other investment professional. Retirement Planology is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice. Correspondingly, each client and prospective client agrees, as a condition precedent to his/her/its access to Retirement Planology's website, to release and hold harmless Retirement Planology, its officers, directors, 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 Retirement Planology.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Retirement Planology's website, the client and/or prospective client is advised 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 Retirement Planology, or from any other investment professional.