Legal and Disclosure - Stoker Ostler

Important Disclosure Information

Stoker Ostler is a trade name used by Stoker Ostler Wealth Advisors, Inc., an SEC-registered investment adviser located in Scottsdale, Arizona. BMO and BMO Financial Group are trade names used by Bank of Montreal. Stoker Ostler and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Stoker Ostler maintains clients. Stoker Ostler may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Stoker Ostler’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Stoker Ostler’s web site on the Internet should not be construed by any consumer and/or prospective client as Stoker Ostler’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 Stoker Ostler 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 Stoker Ostler, please contact the SEC or the state securities regulators for those states in which Stoker Ostler maintains a notice filing. A copy of Stoker Ostler’s current written disclosure statement discussing Stoker Ostler’s business operations, services, and fees is available from Stoker Ostler upon written request. Stoker Ostler 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 Stoker Ostler’s web 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.

Investments are: NOT A DEPOSIT – NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY – NOT GUARANTEED BY ANY BANK – MAY LOSE VALUE.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Stoker Ostler) made reference to directly or indirectly by Stoker Ostler in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Examples, video charts, etc. are used for illustrative purposes and are not intended as a specific recommendation of any strategy or asset allocation. Please consult with your financial advisor regarding your own personal situation. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Please remember that 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 Stoker Ostler), will be profitable or equal any historical performance level(s).

Certain portions of Stoker Ostler’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Stoker Ostler’ (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). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Stoker Ostler, or from any other investment professional. Stoker Ostler is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Stoker Ostler’s web site, the client and/or prospective client 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 Stoker Ostler, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Stoker Ostler’s web site, to release and hold harmless Stoker Ostler, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Stoker Ostler.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.

This information is being used to support the promotion or marketing of the planning strategies discussed herein. This information is not intended to be legal advice or tax advice to any taxpayer and is not intended to be relied upon. Stoker Ostler Wealth Advisors, Inc. and its affiliates do not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Facts	WHAT DOES Stoker Ostler Wealth Advisors, Inc. DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security Number and Assets • Account Balances and Account Transactions • Employment Information and Investment Experience
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Stoker Ostler Wealth Advisors, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Stoker Ostler Wealth Advisors, Inc. share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes – information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes – information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

What we do
How does Stoker Ostler Wealth Advisors, Inc. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
When does Stoker Ostler Wealth Advisors, Inc. collect my personal information?	We collect your personal information, for example, when you: • Open an account • Seek advice about your investments • Enter into an investment advisory contract • Tell us about your investment or retirement portfolio • Direct us to buy securities We also collect your personal information from other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial or non-financial companies. • Our affiliates include companies with a Bank of Montreal or BMO name; and financial companies such as BMO Bank, N.A • Stoker Ostler Wealth Advisors, Inc. does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Stoker Ostler Wealth Advisors, Inc. does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Stoker Ostler Wealth Advisors, Inc. does not jointly market.