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STATEMENT OF RISK
ADVISOR-CLIENT RELATIONSHIP
ADV FORMS

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STATEMENT OF RISK

All investments involve risk. There is no guarantee that the strategies or products discussed here will be successful. Investments may be worth more or less in the future than at the time of purchase. There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information posted on this or any linked site.

This site does not constitute a complete description of our investment services and is for informational purposes only. For a complete description of our services, fees, methods, and qualifications refer to our ADV FORMS.

Neither the information nor any opinion expressed in the Site constitutes an offer to buy or sell any securities or financial instruments or provide any investment advice or service. The information in the Site is descriptive of our philosophy. However, the services, securities and financial instruments described may not be available to or suitable for you. Not all strategies are appropriate at all times.

Total Wealth Management, LLC will not be liable to you or anyone else for any loss or injury resulting directly or indirectly from the use of this site, caused in whole or part by its negligence or compiling, interpreting, reporting or delivering this site and any content through this site. In no event will Total Wealth Management, LLC, or any of its officers, agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on such content.

Total Wealth Management, LLC is not a bank, credit union or savings and loan institution. The securities offered and/or discussed are not federally insured against loss of value. They are not deposits guaranteed by any financial institution and involve risks including loss of principal, and may fluctuate in value.

Nothing on this site should be interpreted to state or imply that past results are an indication of future performance. Investing involves substantial risk. Shares fluctuate in value and may be worth more or less than present value in the future. It is highly unlikely that the past will repeat itself. Selecting an advisor, fund, or strategy based solely on past returns is a poor investment strategy.


ADVISOR-CLIENT RELATIONSHIP

The use of this website shall not create a client-advisor relationship. This website is for general information and educational purposes only, and must not be considered investment or financial planning advice. Such advice must be tailored to your individual situation and objectives. Investors should consult all available information, including fund prospectuses, and investment legal and accounting professionals, before making any fund purchase or executing any investment or financial planning strategy. They must exercise their own independent judgment when making any investment decision.

The contents of this website are provided for informational and educational purposes only. All information is provided "as is", without any representations or warranties of any kind. Total Wealth Management, LLC expressly disclaims all express and implied warranties including those with respect to accuracy, completeness, timeliness or fitness for a particular purpose. We assume no responsibility for any losses, whether direct, indirect, special or consequential, which arise out of the use of this website. Unless otherwise expressly indicated, all financial information is unaudited and there is no representation that financial information has been prepared in accordance with generally accepted accounting principles.

Information throughout this internet site, whether stock quotes, charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.

Index or asset class returns, if shown, are historical and may not include the change in share price, reinvestment of dividends, and capital gains. Indexes are unmanaged and do not reflect the impact of transaction costs. Transaction costs would have reduced the total returns.

Returns quoted for mutual funds, exchange traded funds or other securities are prior to our management fee and any transaction fees from the custodian. These fees would have reduced performance.

No representation is made that any illustration reflects the actual performance of any investor. For a variety of reasons, including taxes, fees, transaction costs, irregular cash flows, and/or short holding periods, individual performance may vary substantially.

ADV FORMS

Below is our disclosure form also know as the ADV, as required by the Securities and Exchange Commission. This report includes our qualifications, methods, fees, and other vital business information. You should always request an ADV Part II whenever you are considering employing an investment advisor. Read it thoroughly, and ask questions if you have any. If you have any problems downloading and/or printing the form, just call and we will mail you one.

 ADV Part I
 ADV Part II
 ADV Schedule F

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