The information available via this web site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is based on data gathered from what the Advisor believes are reliable sources.  It is not guaranteed as to accuracy, does not purport to be complete, and is not intended for use as the primary basis for investment decisions.  It should not be construed as advice meeting the particular investment needs of any investor.

     The identification of specific investments and model portfolios is made on the assumption that an investor would participate in that portfolio on a long-term basis (3-5 years) and only after consulting with their investment advisor to determine objectives and their tolerance for market volatility.  With respect to any specific investment, there can be no assurance that it will perform in the manner suggested.

     If model portfolios are illustrated, results assume the reinvestment of dividends and capital gains, and are gross of any investment advisory fees.  The results do not represent actual trading for the following reasons:
          (1) Timing of trades will vary by client;
          (2) Trading costs vary by investment type;
          (3) Client objectives vary (monthly income
                versus grow the assets);
         

     All references made to an investment or model portfolio's performance are based on historical data and one should not assume that this performance will continue in the future.

     It is quite possible persons associated with Just Plans hold positions in securities recommended to clients.  In no case are the positions large enough to influence the price of a security.  In all instances where purchases are made at the same time, client orders are filled before those of any associated persons.

     Just Plans does not warrant (expressed or implied) the accuracy, completeness, or results obtained from any information posted on this or any "linked" web site.