Hamilton Capital Management - Registered Investment Advisor

Important Disclosures

This website ("Website") is a publication of Hamilton Capital Management Inc. ("HCM"), which is an SEC registered investment adviser with a primary business location in Columbus, Ohio. HCM 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 HCM has attained a certain level of skill, training, or ability. The Website is limited to the dissemination of general information pertaining to HCM'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 HCM'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 HCM 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. For information pertaining to the registration status of HCM, please contact the SEC or the state securities regulators for those states in which HCM maintains a notice filing. Users of this Website are encouraged to obtain a copy of HCM'S current written disclosure statement discussing HCM'S business operations, services, fees, and applicable conflicts of interest, which is available from HCM upon request or by searching for HCM 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 HCM, its officers, directors, owners, employees, agents, affiliates, and assigns from any and all adverse consequences resulting from any actions or omissions that are independent of receiving personalized individual advice from HCM.

Hyperlinks on this Website are provided as a convenience. HCM 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 the Website or incorporated herein, and takes no responsibility for the same. All such information is provided solely for convenience, educational, and informational purposes only, and all Users are guided accordingly.

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 HCM, 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 HCM), 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. HCM 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 HCM'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, HCM 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 HCM or from any other investment professional. A professional advisor should be consulted before implementing any of the options presented. HCM is neither a law firm nor accounting firm. 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 HCM. These photos should not be construed as an endorsement of HCM or its representatives by any client.

Rankings, recognition or designations granted 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 our firm is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of HCM by any of its clients. Rankings and/or recognitions published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser, but also may be based upon information prepared and/or submitted by the recognized adviser's clients. Working with a highly-rated advisor does not ensure that a client or prospective client will experience a higher level of performance. To the extent that HCM paid a fee to be considered for the right to receive or publish a ranking, recognition, or any other designation, such payment creates an inherent conflict of interest (because the awarding entity has the incentive to provide such ranking, recognition, or designation). To mitigate that conflict of interest we remind current and prospective clients that these ratings, rankings, and designations should not be construed as an endorsement of HCM firm by any client, and that they are no guarantee of future investment success.

Financial Planning

With respect to references on this Website to "Financial Planning" magazine's RIA Leaders list: "Financial Planning Magazine" and "Financial Planning" are trademarks of Source Media, an Observer Capital Company. Those entities are not affiliated with HCM. The Financial Planning RIA Leaders list is produced annually by Financial Planning. The results are not based upon information or opinions of participating Registered Investment Advisers' ("RIA's") clients. Therefore, inclusion on the RIA Leader's List is not representative of any participating RIA's clients' experiences. Neither the participating RIAs nor their employees pay a fee to Financial Planning in exchange for inclusion in the Leader's List. HCM applied for consideration, and the result was independently granted. The RIA Leaders list is based on data supplied by RIAs. Discovery Data compiled the rankings based on discretionary and nondiscretionary assets under management listed on SEC Form ADV as of November 2016. The list excludes firms with broker-dealer and insurance company affiliations, and those with substantial outside ownership stakes held by private equity firm and some outside investors. The list does not include roll-ups, aggregators or turnkey asset management programs. Only firms with more than 50% individual clients, as can be determined through Form ADVs, are included in the list. ). HCM is not aware of the percentage of other advisers that received the applicable designation. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the ranking. By virtue of disclosing this ranking, HCM is disclosing favorable ratings (to the extent that HCM is ranked above other advisors) and unfavorable ratings (to the extent that HCM is ranked below other advisors). The ranking may not be representative of any one client's experience because of the way in which it is calculated. Inclusion on the RIA Leader's List is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about RIA Leaders List is available here: https://www.financial-planning.com/slideshow/ria-leaders-2017-most-client-accounts

Inc.

With respect to references on this Website to Inc. Magazine, Inc.com and the Inc. 5000: Inc. Magazine, Inc.com and the Inc. 5000 is owned and published by Mansueto Ventures LLC. Inc. Magazine, Inc.com and the Inc. 5000 are not affiliated with HCM. The Inc. 5000 is an independent listing produced annually by Inc. Magazine. The results are not based upon information or opinions of participating companies' clients. Therefore, inclusion on the Inc. 5000 list is not representative of any participating company's clients' experience. Participating companies pay a $150 non-refundable application and processing fee in advance to be considered for the list. This processing fee covers a portion of the operating costs of the survey. HCM applied for consideration, paid the applicable fee, and the result was independently granted. As indicated above, this payment creates an inherent conflict of interest (because the awarding entity has the incentive to provide such ranking, recognition, or designation). To mitigate that conflict of interest we remind current and prospective clients that these ratings, rankings, and designations should not be construed as an endorsement of HCM by any client, and that they are no guarantee of future investment success. The Inc. 5000 is based upon data gathered from the participating companies. To ensure the integrity and credibility of the list, Inc. then verifies the 2013 and 2016 revenue numbers for every Inc. 5000 applicant. Companies are ranked according to the percentage growth of their annual revenue over a three-year period. To assess this, Inc. asks each company for 2013 and 2016 revenues, which provides a three-year growth period, using 2013 as a base year for growth. To be considered for the list, the company must: have generated revenue by March 31, 2013; have generated at least $100,000 in revenue in 2013; have generated at least $2 million in revenue in 2016; and be privately held, for profit; based in the U.S., and independent (not a subsidiary or division of another company). HCM is not aware of the percentage of other advisers that received the applicable ranking. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the ranking. By virtue of disclosing this ranking, HCM is disclosing favorable ratings (to the extent that HCM is ranked above other advisors) and unfavorable ratings (to the extent that HCM is ranked below other advisors). The ranking may not be representative of any one client's experience because of the way in which it is calculated. Inclusion in the Inc. 5000 is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

Financial Advisor Magazine & FA

With respect to references on this Website to "Financial Advisor Magazine" and "FA": FA's 2017 Annual RIA Ranking ("Annual RIA Ranking") is an independent listing produced annually by Financial Advisor Magazine ("FA"). FA is not affiliated HCM. The list is not a competitive ranking, but rather a numerical listing of independent Register Investment Advisers ("RIA") based upon discretionary and non-discretionary assets under management as reported on the firm's Form ADV. The results are not based upon information or opinions of participating RIA's clients. Therefore, inclusion in the Annual RIA Ranking is not representative of any participating RIA's clients' experiences. Neither the participating RIA's nor their employees pay a fee to FA in exchange for inclusion in the Annual RIA Ranking. HCM applied for consideration, and the result was independently granted. The Annual RIA ranking is based upon data gathered from the participating RIA's and regulatory disclosures. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the ranking. By virtue of disclosing this ranking, HCM is disclosing favorable ratings (to the extent that HCM is ranked above other advisors) and unfavorable ratings (to the extent that HCM is ranked below other advisors). FA does not publish, nor is HCM aware of the percentage of other advisers that received the applicable ranking. The ranking may not be representative of any one client's experience because of the way in which it is calculated. To be eligible for the rankings, firms must be independent registered investment advisors and file their own Form ADV statements with the SEC. In addition, they must provide financial planning and related services to individual clients. Inclusion in the Annual RIA Rankings is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about the Annual RIA Rankings is available here: http://www.fa-mag.com/news/ria-survey---ranking-2017-33401.html?section=47

Barron's

With respect to references on this Website to the Barron's "America's Top 100 Independent Financial Advisors": Barron's is a registered trademark of Dow Jones & Company, L.P. HCM is not affiliated with this entity. Barron's "America's Top 100 Independent Financial Advisors" currently bases its rankings upon data provided by individual advisers and their firms, including submissions by HCM. Barron's confirms that data via regulatory databases, cross-checks with securities firms and conversations with individual advisers. The ranking reflects "the volume of assets overseen by the advisors and their teams, revenues generated for the firms and the quality of the advisors' practices." The scoring system assigns a top score of 100 and rates the rest by comparing them with the winner. A ranking of "N" denotes an advisor who is new to the list. The formula Barron's currently uses to rank advisers is proprietary. It has three major components: assets managed, revenue produced and quality of practice. Investment returns are not a component of the rankings because an adviser's returns are dictated largely by the risk tolerance of clients. The quality-of-practice component includes an evaluation of each adviser's regulatory record. Neither HCM nor any other participating advisers paid a fee to be eligible for the "America's Top 100 Independent Financial Advisors" ranking. HCM applied for consideration, and the result was independently granted. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the ranking. By virtue of disclosing this ranking, HCM is disclosing favorable ratings (to the extent that HCM is ranked above other advisors) and unfavorable ratings (to the extent that HCM is ranked below other advisors). HCM is not aware of the percentage of other advisers that received the applicable ranking. The ranking may not be representative of any one client's experience because of the way in which it is calculated. The ranking is absolutely not indicative of HCM'S future performance, or any future performance pertaining to its clients' investments. This ranking or any other rankings and/or recognition by unaffiliated rating services and/or publications should not be construed as a guarantee that a client will experience a certain level of results or satisfaction if HCM is engaged, nor should it be construed as a current or past endorsement by any of its clients.

Additional information about Barron's most recent "America's Top 100 Independent Financial Advisors" is available at the following link: http://www.barrons.com/report/top-financial-advisors?mod=BOL_Nav_TAD_hpp;
and the ranking list itself is available at the following link: http://www.barrons.com/report/top-financial-advisors/independent/2016

Dental Practice Management

With respect to references on this Website to "Dental Practice Management": Dental Practice Management is part of the Modern Dental Network, a product of UBM Medica, which is a part of UBM Americas' Life Sciences Group. Dental Practice Management Professional Services Guide and Digital Products Report's (DPR) Modern Dental Network is an annual publication. HCM is not affiliated with any of the aforementioned entities. Advisors self-nominate for inclusion by answering a variety of questions regarding their practice including assets under management and years of experience, education and geographic location. Factors for inclusion considered by Dental Practice Management include industry knowledge and experience, credentials and certifications. UBM Medica will make the final determination of whether an application meets the Standards for Inclusion, based on but not limited to good standing with the Financial Industry Regulatory Authority and the U.S. Securities and Exchange Commission, and payment received in full prior to the publication deadline. The resulting designation was independently granted. The Best Financial Advisor's list is not based upon information or opinions of participating Advisers clients'. Therefore, inclusion on the list is not representative of any participating Advisor's clients' experiences. Participating Advisors pay an upfront fee of $950 to Dental Practice Management for each advisor who is ultimately included on the list. As indicated above, this payment creates an inherent conflict of interest (because the awarding entity has the incentive to provide such ranking, recognition, or designation). To mitigate that conflict of interest we remind current and prospective clients that these ratings, rankings, and designations should not be construed as an endorsement of HCM by any client, and that they are no guarantee of future investment success. Inclusion on the Best Advisor's List is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about Dental Practice Management is available here: http://practicemanagement.dentalproductsreport.com/

Financial Times

With respect to references on this Website to "The Financial Times 300 Top Registered Investment Advisers": "FT" and "Financial Times" are trademarks of The Financial Times Ltd. ("FT").The Financial Times 300 Top Registered Investment Advisers is an independent listing ("The FT 300") produced annually by the Financial Times (June, 2017). The FT is not affiliated with HCM. The FT 300 is presented as "an elite group," not a competitive ranking of one to 300. The results are not based upon information or opinions of participating Registered Investment Advisers' ("RIA's") clients. Therefore, inclusion on The FT 300 is not representative of any participating RIA's clients' experiences. Neither the participating RIAs nor their employees pay a fee to The Financial Times in exchange for inclusion in The FT 300. HCM applied for consideration, and the result was independently granted. The FT 300 is based on data gathered from RIAs, regulatory disclosures, The FT's research, and/or research conducted on The FT's behalf by "Ignites Distribution Research," a Financial Times sister publication. The FT invited RIAs reporting $300 million or more in client assets under management to complete a lengthy application, which was analyzed along with data available from regulatory filings. The FT indicates that the methodology used to evaluate inclusion on The FT 300 is quantifiable and objective, and that the participating RIAs had no subjective input in the analysis.

Approximately 520 RIAs applied and 300 made the final list. The formula utilized to evaluate participating RIAs for inclusion on the list is based on six factors and calculates a numeric score for each participating RIA. Areas of consideration include: assets under management, asset growth, RIA age, industry certifications of key employees, SEC compliance record, and online accessibility. By considering the "SEC compliance record," eligibility to appear on The FT 300 is designed to ensure that a participating RIA has an established and significant history and record free from regulatory sanctions. Assets under management and asset growth, combined, comprised roughly 80 to 85 per cent of each participating RIA's score. Additionally, The FT caps the number of companies from any one state. The cap is roughly based on the distribution of millionaires across the US. To the best of HCM's knowledge: The FT does not include RIAs on The FT 300 if the ratings are not statistically valid with respect to any RIA; and there are no facts that would call into question the validity of the inclusion on The FT 300 or the appropriateness of HCM advertising the same.Inclusion on the FT 300 is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about FT 300 is available here: https://www.ft.com/content/37bd6974-31b9-11e6-ad39-3fee5ffe5b5b

Medical Economics

With respect to references on this Website to "Medical Economics": Medical Economics and medicaleconomics.com is part of the ModernMedicine Network, a product of UBM Medica, which is a part of UBM Americas' Life Sciences Group. Medical Economics Professional Services Guide and Digitial Products Report's (DPR) Modern Dental Network is an annual publication. HCM is not affiliated with any of the aforementioned entities. Advisors self-nominate for inclusion by answering a variety of questions regarding their practice including assets under management and years of experience, education and geographic location. Factors for inclusion considered by Medical Economics includes industry knowledge and experience, included credentials and certifications. UBM Medica will make the final determination of whether an application meets the Standards for Inclusion, based on but not limited to good standing with the Financial Industry Regulatory Authority and the U.S. Securities and Exchange Commission, and payment received in full prior to the publication deadline. The resulting designation was independently granted by Medical Economics. The Best Financial Advisor's list is not based upon information or opinions of participating Advisers clients'. Therefore, inclusion on the list is not representative of any participating Advisor's clients' experiences. Participating Advisors pay an up-front fee of $950 to Medical Economics for each advisor ultimately included on the list. As indicated above, this payment creates an inherent conflict of interest (because the awarding entity has the incentive to provide such ranking, recognition, or designation). To mitigate that conflict of interest we remind current and prospective clients that these ratings, rankings, and designations should not be construed as an endorsement of HCM by any client, and that they are no guarantee of future investment success. Inclusion on the Best Advisor's List is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about Dental Practice Management is available here: http://practicemanagement.dentalproductsreport.com/

InvestmentNews

With respect to references on this Website to "InvestmentNews": "InvestmentNews" is a part of Crain Communications, Inc. The InvestmentNews RIA Data Center ("Data Center") is an independent listing produced annually by InvestmentNews. InvestmentNews is not affiliated with HCM. The results of the Data Center are not based upon information or opinions of participating Registered Investment Advisers' ("RIAs") clients. Therefore, inclusion in the Data Center is not representative of any participating RIA's clients' experiences. Neither the participating RIAs nor their employees pay a fee to InvestmentNews in exchange for inclusion in the Data Center. HCM applied for consideration, and the ranking was independently granted. InvestmentNews qualified 1,906 firms headquartered in the United States based on data reported on Form ADV to the Securities and Exchange Commission. To qualify, firms must have met the following criteria: (1) latest ADV filing date is either on or after January 1, 2017, (2) total AUM is at least $100M, (3) does not have employees who are registered representatives of a broker-dealer, (4) provided investment advisory services to clients during its most recently completed fiscal year, (5) no more than 50% of amount of regulatory assets under management is attributable to pooled investment vehicles (other than investment companies), (6) no more than 25% of amount of regulatory assets under management is attributable to pension and profit-sharing plans (but not the plan participants), (7) no more than 25% of amount of regulatory assets under management is attributable to corporations or other businesses, (8) does not receive commissions, (9) provides financial planning services, (10) is not actively engaged in business as a broker-dealer (registered or unregistered), (11) is not actively engaged in business as a registered representative of a broker-dealer, (12) has neither a related person who is a broker-dealer/municipal securities dealer/government securities broker or dealer (registered or unregistered) nor one who is an insurance company or agency. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the ranking. By virtue of disclosing this ranking, HCM is disclosing favorable ratings (to the extent that HCM is ranked above other advisors) and unfavorable ratings (to the extent that HCM is ranked below other advisors). HCM is not aware of the percentage of other advisers that received the applicable ranking. The ranking may not be representative of any one client's experience because of the way in which it is calculated. Inclusion in the Data Center is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about InvestmentNews is available here: http://data.investmentnews.com/ria/

Advisor One

With respect to references on this Website to "Advisor One Top Wealth Managers List": The Top Wealth Managers List ("List") is an independent listing produced annually by AdvisorOne (and its predecessor publications). AdvisorOne is not affiliated HCM. The results are not based upon information or opinions of participating Registered Investment Advisers' ("RIAs") clients. Therefore, inclusion on the List is not representative of any participating RIA's clients' experiences. Neither the participating RIAs nor their employees pay a fee to AdvisorOne in exchange for inclusion on the List. HCM applied for consideration, and the result was independently granted. The List is based upon data gathered from RIAs. To be considered for participation, RIAs must: be either an SEC- or State-registered investment advisor with its own IARD number; have minimum assets under management of $50 million for Top 500 RIAs list, and minimum AUM of $100 million for the Top Wealth Managers list; offer financial planning services to individual clients. Banks, Broker-Dealers, Trust Companies, Branches of independent broker-dealers, and subsidiaries of larger companies (unless they meet all other requirements to file their own ADV) were not eligible to participate. Eligible firms then completed a lengthy survey regarding details on their firms, including overall average AUM, average AUM per client, profitability and revenue. Information provided by the RIAs was analyzed in aggregate by members of The Ensemble Practice. According to AdvisorOne "Those who complete the entire survey and have a minimum of $100 million in AUM will be eligible to be listed as a Top Wealth Manager; those who complete the first part of the survey only and who have AUM of less than $100 million will still be eligible for inclusion in our listing of the Top 500 RIA firms". Inclusion on the List is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information about AdvisorOne is available here: http://www.thinkadvisor.com/pages/top-wealth managers/2012/form.php?slreturn=1506431889

Worth

With respect to references on this Website to the Robb Report Worth ("Worth") is the registered trademark of CurtCo Publishing, LLC. Worth's List of the Nation's Top 100 Wealth Advisors ("Top Advisor List") is an independent listing produced annually by Rob Report Worth. Rob Report Worth is not affiliated with HCM. Advisors are nominated by the publication's readers and the request for nominations is also extended to private banks, wealth management, investment firms and other industry associations. Neither the participating advisor nor their employer pays a fee to Worth in exchange for inclusion on the list. HCM applied for consideration, and the result was independently granted. Notwithstanding the fact that editors apparently asked several clients of each nominated advisor to offer some insight into the strengths and weaknesses of the professionals who manage their money, the process retains inherent objectivity because Worth indicates that the selection process is objective, fair and "above all else, transparent". The editorial staff "gives weight to the qualifications and responses that we believe are telling of an advisor's capabilities" including "advanced degrees, financial certifications and professional longevity. Advisors "who do not recommend alternative investments are excluded from the list". Nominated advisors complete a detailed questionnaire in which they provide their educational credentials, compensation structure, client retention rate and other information on their practice, regulatory compliance record and professional background. HCM is not aware of the percentage of other advisers that received the applicable designation. HCM is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the designation. The designation may not be representative of any one client's experience because of the way in which it is calculated. Inclusion on the Top Advisor List is absolutely not indicative of HCM's future performance, or any future performance pertaining to its clients' investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if HCM is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of HCM by any of its clients.

More information can be found here: https://3d2mda14txb5cbeja5jj48b3-wpengine.netdna-ssl.com/wp-content/uploads/WorthMagazine-October2005.pdf

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