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always depend on the reliability of our own credible sources. We recommend that
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Past investment results are not predictive of future results. Share
price and return will vary, so investors may lose money. Investing for short
periods makes losses more likely. Investments are not FDIC-insured, nor are
they deposits of or guaranteed by a bank or any other entity. Investments
outside the U.S.,
especially those in developing countries, involve special risks, such as
currency fluctuations, political instability and periods of illiquidity.
High-yield bonds are subject to greater fluctuations in value and risk of loss
of income and principal than government or high-quality corporate bonds.
Smaller cap stocks entail additional risks because they may be more volatile
than stocks of larger, more established companies. Although money market funds
seek to preserve the value of your investment at $1.00 per share, it is
possible to lose money by investing in these funds.
PERFORMANCE DATA DISCLAIMER
You understand and agree that presentation of any performance data is
not meant to imply that similar results will be achieved in the future. The
data is provided merely for illustrative and discussion purposes. Performance
data using a wide variety of time periods is provided. Rather than focusing on
the specific time periods used or the results derived, the reader should focus
instead on the underlying principles. You understand and agree that none of the
material presented here is intended to serve as the basis for any financial
decision, nor does any of the information contained within constitute an offer
to buy or sell any security. Such an offer is made only by prospectus, which
you should read carefully before investing or sending money. You understand and
agree that the material presented is accurate to the best of our knowledge.
However, performance data changes over time, and laws frequently change as
well, and the advice provided by TWM could change accordingly. Therefore, the
reader is encouraged to verify the status of such information before acting.
IMPORTANT CONSUMER INFORMATION
TWM is an investment adviser registered with the U.S Securities and
Exchange Commission. An investment advisor or investment advisor representative
may only transact business in a particular state after licensure or satisfying
qualifications, requirements of that state, or only if they are excluded or
exempted from the state's investment advisor or investment advisor
representative requirements, as the case may be.
Follow-up, individualized responses to consumers in a particular state
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rendering of personalized investment advice for compensation, as the case may
be, shall not be made without first complying with the state's investment
advisor, or investment advisor representative requirements, or pursuant to an
applicable state exemption or exclusion.
For information concerning the licensure status or disciplinary history
of an investment advisor or investment advisor representative, a consumer
should contact his or her state securities law administrator.
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This Agreement sets forth the entire agreement between the parties with
regard to the subject matter hereof. No other agreements,
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respect to the subject matter of this Agreement, except as referenced
This Agreement shall be governed by and construed in accordance with the
laws of the State of Connecticut, without regard to conflicts of laws
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The failure by TWM to enforce any provision of this Agreement shall not
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If any of the provisions of this Agreement are found or deemed by a
court to be invalid or unenforceable, they shall be severable from the
remainder of this Agreement and shall not cause the invalidity or
unenforceability of the remainder of this Agreement.