Michael A. Dubis Financial Planning, LLC does not guarantee the relevancy, appropriateness, or accuracy of any outside information or links. The information on this website is based on data gathered from what are believed to be reliable sources. It is not guaranteed as to accuracy, and does not purport to be complete and is not intended as the primary basis for investment or financial planning decisions.

It should also not be construed as advice meeting the particular investment or financial planning needs of any investor or reader of this material. Any reference to outside information is for your convenience only and should be treated prudently. Contact Michael A. Dubis Financial Planning, LLC directly with any questions you may have or for consultation.

Michael A. Dubis Financial Planning, LLC. is a Wisconsin Registered Investment Advisory firm. I do not render or offer to render personalized investment advice or financial planning advice through this medium. This medium is limited to providing you with general information on my services and offers a way for you to contact me. Advice can only be rendered after all of the following conditions are met:

1. Delivery of a disclosure statement by advisor to client
2. Execution of an Investment Advisory and/or Financial Planning agreement between advisor and client.
3. Initial payment of the planning fee or investment advisory fee by client to advisor
4. Advisor may transact business only in states in which it is registered, or in which it is exempted from registration.

Disclosure:
At certain places on Michael A. Dubis Financial Planning, LLC's Internet Site, live 'links' to other Internet sites can be accessed. That information being offered is strictly as a courtesy and convenience. Michael A. Dubis Financial Planning, LLC does not endorse, verify or attest to the accuracy or completeness of the content of the web sites that are linked and accepts no responsibility for their use or content. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by Michael A Dubis Financial Planning) or product made reference to directly or indirectly by Michael A Dubis Financial Planning 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.

Certain portions of this web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Michael A Dubis Financial Plannings' (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 Michael A. Dubis Financial Planning, or from any other investment, tax, or financial professional. No portion of the web site content should be interpreted as legal or accounting advice. It is recommended clients and prospective clients consult their tax professionals before enacting strategy or recommendation perceived to have been made in this website.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Michael A Dubis Financial Plannings' 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 Michael A Dubis Financial Planning, or from any other investment, tax, or financial professional.

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

Copyright Information
All web pages are intellectual property of Michael A Dubis Financial Planning and are protected by copyright laws. All copyrights for Michael A Dubis Financial Planning web presence are owned by Michael A Dubis Financial Planning with all rights reserved. Any individual is allowed to view, print, and link to these pages provided they observe the following:

1. The documents can only be used for non-commercial purposes.
2. Our documents may not be associated with anything which is illegal, unethical or immoral.
3. Our documents may only be used for informational purposes.