DISCLAIMER.

This website (“Website”) is a publication of Julius Wealth Advisors, LLC, a registered investment adviser principally located in Englewood Cliffs, New Jersey (“JWA”). Registration as an investment adviser is not an endorsement by securities regulators and does not imply that JWA has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information related to JWA’s advisory services and access to additional financial planning and investment-related information, publications, and links to websites hosted by third parties. The publication of this Website should not be construed by any client or prospective client as JWA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Each user of this Website (“User”) is encouraged to obtain a copy of JWA’s current Form ADV Part 2A and 2B, which is available by selecting “Part 2 Brochures” after clicking HERE.

All materials contained in this Website are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written permission of JWA. Users may not alter or remove any trademark, copyright, or other notice from copies of the content. Any hyperlinks on this Website are provided as a convenience. JWA 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 directly or indirectly linked, and takes no responsibility for the same. All such information is provided for convenience, educational, and informational purposes only. Third-party sites that are directly or indirectly linked to this Website may collect information, including personal information relating to Users’ online activities over time and across different websites and other online services. JWA does not control a third-party’s collection or use of personal information or tracking technologies. If any User accesses any economic calculator or similar interactive device directly or indirectly 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, as the receipt of, or a substitute for, personalized individual advice from JWA, or from any other investment professional.

Not all services will be appropriate or necessary for all clients, and the potential value and benefit of JWA’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. The effectiveness and potential success of a financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Holistic or comprehensive financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to JWA, but may not consider literally all aspects of a client’s financial affairs. JWA will rely upon the accuracy and completeness of the information provided by the client when providing advisory services. Statements about the clients served by JWA are not indicative of any client experience or level of satisfaction in working with JWA. Adherence to our fiduciary duty is not a guarantee of client satisfaction or any particular outcome. An adviser’s compensation structure should not be viewed as the sole determining factor in obtaining or retaining their services.

The receipt of personalized and tailored services, or the client’s access to financial or professional resources should not be construed as a guarantee of a particular outcome. All investing comes with risk, including risk of loss. Past performance does not guarantee future results. There can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by JWA), will be profitable or equal any historical performance level. Investment strategies such as asset allocation, diversification, and rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There is no guarantee that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any reference to “private equity,” “private real estate,” or similar terminology directly or indirectly linked to this Website does not relate to any specific private investment funds and should not be construed to refer to specific private investment funds. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. 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. Projections, forecasts, and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.

Any index performance data appearing or referenced (directly or indirectly) on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index. Historical performance results for investment indexes and/or categories are for illustrative purposes only and do not represent actual portfolio performance. The indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Investors cannot invest directly in an index. JWA makes no warranty, express or implied, for any decision taken by any party in reliance upon such index information.

Certain portions of the Website (e.g., blogs, newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to JWA’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, these discussions may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up to date, JWA 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 the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from JWA or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. JWA is neither a law firm nor an 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.

Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless JWA, its members, managers, owners, employees, agents, representatives, and affiliates from any and all adverse consequences resulting from any actions or omissions related to this Website that are independent of receiving personalized individual advice from JWA. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.