Legal Disclosure

Sensible Financial™ is an investment advisory firm registered with the United States Securities and Exchange Commission [SEC], and empowered through notice filings to deliver investment advice in California, Florida, Illinois, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Tennessee, Texas, and Virginia. Availability of this web site in another state neither constitutes a solicitation of investment advisory clients nor an offer to deliver investment advisory services there.

Sensible Financial transacts business only in states where it has notice filed in order to be permitted to provide services or is otherwise exempt. In certain instances, a proposed transaction between the Company and a resident of a particular state may trigger the requirement to notice file in such state. In these instances, the Company will immediately proceed with submitting the necessary documentation in order to comply with all notice filing requirements in such state.

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 product that this Website refers to directly or indirectly, or even indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will be either suitable or profitable for a particular 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 a substitute for, personalized individual advice from the adviser or any other investment professional. Sensible Financial does not offer any investment advice by virtue of the information contained in this Website and the provision of investment advisory services by Sensible Financial will be only be made pursuant to a written advisory agreement between Sensible Financial and the client. You are strongly advised to consult with a financial professional before engaging in any securities transactions based on the information contained in this Website. Sensible Financial expressly disclaims any liability or responsibility for any losses incurred by any individual pursuant to any action taken by virtue of the information contained herein.

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.