Verus Financial Partners is a fee-only financial planning firm. VFP and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which VFP maintains clients. VFP may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. VFP’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 VFP’s web site on the Internet should not be construed by any consumer and/or prospective client as VFP’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by VFP with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of VFP, please contact the SEC or the state securities regulators for those states in which VFP maintains a notice filing. A copy of VFP’s current written disclosure statement discussing VFP’s business operations, services, and fees is available from VFP upon written request. VFP 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 VFP 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.

Please 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 VFP), will be profitable or equal any historical performance level(s).

Certain portions of VFP’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, VFP (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 VFP, or from any other investment professional. VFP is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if VFP is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of VFP by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

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

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

Certified Financial Planner Board of Standards Inc. owns the certification mark CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The AIF® and AIFA® trademarks are registered with the U.S. Patent and Trademark Office under the Center for Fiduciary Studies, a division of Fiduciary360.

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 (including the investments and/or investment strategies recommended and/or undertaken by Verus and/or any non-investment-related content will be profitable, equal any performance level(s), or prove successful. You should not assume that content posted to any Verus social media site serves as the receipt of, or as a substitute for, personalized investment advise from Verus. If a reader has any questions regarding any content posted to a Verus social media site, the reader is encouraged to consult with the independent advisors of the reader’s choosing. A copy of Verus’ current written disclosure statement discussing its advisory services and fees is available upon request.