Important Disclosure Information

Past performance is no guarantee of future results. Different types of investments involve varying degrees of risk.  Therefore, there can be no assurance that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by STEIGERWALD, GORDON & KOCH WEALTH ADVISORS [“SGK”]), or any consulting services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  SGK is neither a law firm, nor a certified public accounting firm, and no portion of its services should be construed as legal or accounting advice. Moreover, you should not assume that any discussion or information contained in this document serves as the receipt of, or as a substitute for, personalized investment advice from SGK. A copy of our current written disclosure Brochure discussing our advisory services and fees is available upon request or at www.SGKwealthadvisors.com. The scope of the services to be provided depends upon the needs and requests of the client and the terms of the engagement.