Stage Harbor Financial, LLC (“Stage Harbor”), is an SEC registered investment adviser located in Westwood, Massachusetts. Stage Harbor and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Stage Harbor maintains clients.

Stage Harbor may only transact business in those states in which it is registered, notice filed, or qualifies for an exemption or exclusion from registration or notice filing requirements. This Internet site is limited to the dissemination of general information to United States residents residing in states where providing such information is not prohibited by applicable law.

Accordingly, the publication of this web site on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Stage Harbor.

Any subsequent, direct communication by Stage Harbor 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.

For information pertaining to the registration status of Stage Harbor, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of Stage Harbor’s current written disclosure statement discussing Stage Harbor’s business operations, services, and fees is available from Stage Harbor upon written request.

Stage Harbor does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to this Internet site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Stage Harbor refers to using academic studies to assist with their portfolio construction. While Stage Harbor believes in the reliability of these studies and also believes that the findings of the studies make intuitive sense, following these academic studies does not guarantee any future performance. Stage Harbor also implements many diversified investment strategies. It is possible that not all of these strategies will be consistent with the academic studies referred to in this presentation. Furthermore, there are many academic studies published and additional studies will continuously be published. Some of these academic studies may contradict the studies that Stage Harbor uses to build its investment strategies.

ACCESS TO THIS WEB SITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEB SITE OR ANY THIRD PARTY WEB SITE LINKED TO THIS WEB SITE.