Disclosures

Investment Advisory Services offered through OJM Group, LLC, a Registered Investment Adviser.

THE RIA DISCLOSURE

OJM Group, LLC ("OJM Group" or "Adviser") is a Registered Investment Advisory Firm regulated by the United States Securities and Exchange Commission ("SEC") in accordance and compliance with applicable securities laws and regulations. OJM Group does not render or offer to render personalized investment advice through this medium. This medium is limited to dissemination of general information on OJM Group's client service offerings and provides for an efficient method in which a prospective client may contact OJM Group. The information available on this site is of a general nature and for illustration purposes only and as such should not be construed as investment, financial, tax or legal advice. Investment and financial planning are generally long-term oriented. Any strategies that you consider implementing or changes in your financial situation should be brought to the attention of your professional Registered Investment Adviser.

Personalized investment or financial advice provided by OJM Group can only be rendered after delivery of the Adviser's disclosure statement (Form ADV Part II) by OJM Group and proper execution of an investment advisory agreement between the client and OJM Group. A copy of Adviser's current written disclosure statement discussing Adviser's business operations, services, and fees is available from Adviser upon written request.

The OJM Group'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 Adviser's web site on the Internet should not be construed by any consumer and/or prospective client as Adviser's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. OJM Group may transact business only in states where it has completed a notice filing or is exempted from notice filing.

OJM Group 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 Adviser'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.

Client assets are held at unaffiliated independent custodial firms (or trust companies as directed by clients) that are insured by the Securities Insurance Protection Corporation ("SIPC") with excess insurance coverage up to the amount of client's assets. Insurance coverage does not cover decline in market value of securities in accounts.

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 Adviser) made reference to directly or indirectly by Adviser 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, 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.

It is important to 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 Adviser), will be profitable or equal any historical performance level(s).

Certain portions of Adviser's web site (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Adviser'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 the receipt of, or a substitute for, personalized advice from the Adviser or from any other investment professional. Adviser is neither a law firm or an accounting firm, and no portion of the web site content should be interpreted as legal, accounting or tax advice. Legal advice of any nature should be sought from competent legal counsel in the relevant jurisdiction. Certain of the Adviser's Advisory Representatives may be licensed to practice law in various states however this is an outside business activity separate and distinct from the business of OJM Group. Any persons who engage legal services will do so via a separate agreement with their selected attorney or law firm. No attorney-client relationship is intended nor created through your use of this site or any links.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Adviser'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 Adviser, or from any other investment professional.

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

Thank you for visiting.