Disclosures

Important Disclosures

NewRetirement Advisors, LLC ("NewRetirement Advisors", the “Advisor”, “we”, “our”, or “us”) is a Registered Investment Advisor ("RIA") located in the State of California. NewRetirement Advisors provides investment advisory and related services for clients nationally. NewRetirement Advisors will maintain all applicable registration and licenses as required by the various states in which NewRetirement Advisors conducts business, as applicable. NewRetirement Advisors renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

Please read these terms and conditions of use (the “Terms”) carefully before using the website located at https://NewRetirementAdvisors.com (the “Website”) or any of the information or services provided by NewRetirement Advisors in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by NewRetirement Advisors in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

NewRetirement Advisors reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

These Terms were last updated on October 21, 2018.

Risk Disclosures

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.

The advisory services provided to the Client are intended to assist the Client in achieving the Client’s financial goals and objectives. The Client is responsible for the implementation of advice and may choose any advisor for such implementation. The Advisor does not provide ongoing investment management services.

This website is intended to provide general information about NewRetirement Advisors and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

Market data, articles and other content on this website are based on generally available information and are believed to be reliable. NewRetirement Advisors does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it remains your responsibility to advise NewRetirement Advisors, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.

NewRetirement Advisors will provide all prospective clients with a copy of our current Form ADV, Part 2A ("Disclosure Brochure") and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us https://NewRetirementAdvisors.com to request a free copy via .pdf or hardcopy.

NewRetirement.com

NewRetirement Advisors is a wholly-owned subsidiary of NewRetirement, Inc. which maintains an informational and educational website at https://NewRetirement.com. The website at https://NewRetirement.com does not provide investment advice. The website at https://NewRetirement.com also maintains a separate terms of use. Please visit https://NewRetirement.com for additional information.

Email Disclosures

NewRetirement Advisors often communicates with its clients and prospective clients through electronic mail (“email”), this Website and other electronic means. Your privacy and security are very important to us. NewRetirement Advisors makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send NewRetirement Advisors private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

As a registered investment advisor, NewRetirement Advisors emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of NewRetirement Advisors or the securities regulators.

If you have received an email from NewRetirement Advisors in error, we ask that you contact the sender and destroy the email and its contents.

For a copy of the NewRetirement Advisors Privacy Policy, please click here. https://newretirementadvisors.com/privacy-policy

If you have any questions regarding our email policies, please Contact Us https://NewRetirementAdvisors.com .

Social Websites

NewRetirement Advisors may utilize third-party websites, including social media websites, blogs and other interactive content. NewRetirement Advisors considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, NewRetirement Advisors generally retains copies of information that NewRetirement Advisors or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of NewRetirement Advisors or the securities regulators.

Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by NewRetirement Advisors’s advisory persons after entering into an advisory agreement and provided NewRetirement Advisors with all requested background and account information.

If you have any questions regarding our policies, please Contact Us https://NewRetirementAdvisors.com .