Altius Financial Advisors, L.L.C. ("Altius") is a registered investment adviser in Maryland, Virginia and the District of Columbia. Altius may only transact business in those states in which it is registered, or qualifies for an applicable exemption or exclusion from such state's registration requirements. Altius will not render investment advice to any individual unless it is first registered in the individual's state of residence or unless it satisfies an applicable exemption or exclusion from such state's registration requirements.

Altius' website is limited to the dissemination of general information pertaining to its financial planning and investment advisory services. Accordingly, Altius' website on the Internet should not be construed by any consumer and/or prospective client as Altius' solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Altius' specific advice is given only within the context of our contractual agreements with each client. Advice may only be rendered after the delivery of Form ADV-Part II (investment advisor's disclosure document) and the execution of an agreement by the client and Altius. Form ADV Part II is available upon request from Altius.

Inherent in any investment is the risk that the investor will lose his or her entire investment, prices will fluctuate, and dividends, rates of return and yields will change. Investment results cannot be predicted or projected with any certainty and gain or income realized on past investments may not necessarily be an indicator of future results or be repeated in the future.

Altius does not make any representations or warranties as to the accuracy, completeness, or relevance of any information or opinion prepared by any unaffiliated third party provider, whether linked to Altius' website or incorporated herein. All such information is provided solely for convenience purposes and all users thereof should be guided appropriately.