Sterling Financial Planning, Inc. (“Sterling”), an affiliate of Sterling Financial Group, Inc., is an SEC registered investment adviser located in Sparta, New Jersey. Sterling and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Sterling maintains clients. Sterling may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Sterling’s web site is limited to the dissemination of general information pertaining to its investment advisory services.  Accordingly, the publication of the Sterling’s web site on the Internet should not be construed by any consumer and/or prospective client as Sterling’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 Sterling 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 Sterling, please contact the SEC or the state securities law administrators for those states in which Sterling maintains a notice filing.  A copy of Sterling’s current written disclosure statement discussing Sterling’s business operations, services, and fees is available from Sterling upon written request.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by Sterling) or product made reference to directly or indirectly by Sterling 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).  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, nor the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of Sterling’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provides access to, Sterling’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).  Moreover, no client or prospective client should assume that any such discussion serves as a substitute for personalized advice from Sterling or from any other investment professional.

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

Information pertaining to Sterling’s advisory operations, services, and fees is set forth in Sterling’s current disclosure statement, as same is on file with the United States Securities and Exchange Commission, a copy of which is available from Sterling upon request.