Lutz Financial is an SEC registered investment adviser located in Omaha, Nebraska. Lutz Financial and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisors by those states in which Lutz Financial maintains clients. Lutz Financial may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Lutz Financials’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 Lutz Financial’s web site on the Internet should not be construed by any consumer and/or prospective client as Lutz Financial’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 Lutz Financial 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 Lutz Financial please contact the SEC or the state securities regulators for those states in which Lutz Financial maintains a notice filing. A copy of Lutz Financial’s current written disclosure statement discussing Lutz Financial’s business operations, services, and fees is available from Lutz Financial upon written request. Lutz Financial 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 the Lutz Financial 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. 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 Lutz Financial), will be profitable or equal any historical performance level(s).

Certain portions of Lutz Financial’s web site (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Lutz Financial (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 Lutz Financial, or from any other investment professional. Lutz Financial is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting, or tax advice.

The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Lutz Financial does not serve as an attorney, accountant, or insurance agent. Lutz Financial does not prepare estate-planning documents or tax returns, nor does it sell insurance products. As disclosed on this web site, Lutz Financial is affiliated with other professional services entities, including Lutz & Company, a CPA firm.

Neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Lutz Financial is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines and others generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. No ranking or recognition should be construed as a current or past endorsement of Lutz Financial by any of its clients. ANY QUESTIONS: Lutz Financial’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Lutz Financial’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 Lutz Financial, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Lutz Financial’s web site, to release and hold harmless Lutz Financial, 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 Lutz Financial.