DISCLOSURES

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

OJM Group, LLC (“OJM Group,” “OJM,” or “Adviser”) is a dually licensed insurance agency and SEC registered investment adviser with its principal place of business in the State of Ohio. OJM Group may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from such requirements; OJM Group is in compliance with such requirements.

OJM Group’s website is limited to the dissemination of general information pertaining to its services, together with access to additional investment-related information, publications, and links. The information available on this web site should not be construed as investment, financial, tax, accounting or legal advice. Accordingly, the publication of this information should not be construed by any consumer and/or prospective client as OJM Group’s solicitation to effect, or attempt to effect transactions in securities, the rendering of personalized investment advice for compensation, or any other services discussed within the web site. Any subsequent, direct communication by OJM Group with a prospective client shall be conducted by an investment adviser representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Please contact OJM for information pertaining to its registration status. A copy of OJM Group’s current disclosure brochure discussing its business operations, services, and fees is available from OJM Group upon written request or at https://www.adviserinfo.sec.gov/Firm/119850.

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.

Certain portions of OJM Group’s website (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, its (and those of other investment and non-investment professionals, including unaffiliated third parties) prior positions and/or general recommendations. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). OJM Group does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information, whether linked to its 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.

All Google Reviews to which OJM Group has responded represent testimonials provided by current or past OJM Group clients. No compensation, either direct or indirect, was received in exchange for the testimonial, and there are no known additional conflicts of interest between OJM Group and the individual. None of the information provided should be construed as legal or investment advice or a recommendation of any particular security or strategy. For additional information about the firm, including our Form ADV Part 2A and any relevant conflicts of interest that may exist, please visit https://adviserinfo.sec.gov or contact us at 877.656.4362.

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.

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.

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