Disclaimer

Use of this website is subject to the following terms and conditions. These terms and conditions are subject to change without notice. By viewing any of the material appearing on this site, you acknowledge that you have read, understood, and agreed to the following:

ERn Financial, LLC, d/b/a Canopy Wealth Management (“Canopy”) is an investment advisor registered with the SEC. Additional information about Canopy is available on the SEC’s website at www.adviserinfo.sec.gov. Registration does not imply any level of skill or training. A copy of Canopy’ current written disclosure statement discussing Canopy’s business operations, services,
and fees is available upon request.

Canopy and its representatives are in compliance with the current filing requirements as required by those States in which Canopy has clients. Any direct communication by Canopy with a client or prospective client shall be conducted by a representative who is either registered or qualifies for an exemption or exclusion from registration in the State where the client or prospective client resides.

The information contained in this website is not intended to provide professional advice and should not be relied upon in that regard. The material contained on this website is provided for informational purposes only and does not constitute individualized financial advice. The
publication of information contained in this website is not, and should not be construed as, a solicitation to effect, or attempt to effect, transactions in securities, the rendering of personalized investment or tax advice, or an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. Nothing contained in this website is intended to create an advisor-client relationship. Nothing contained herein should be used as the basis for making any specific investment, business or commercial decision.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Canopy’s website, the client and/or prospective client is advised 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 Canopy or any other investment professional.

Strategy or asset allocation overviews are for descriptive purposes only and do not take into account a client’s or prospective client’s particular investment objectives, tolerance for risk, financial situation or needs. Nothing contained hereon is intended to be, or should be construed as, a recommendation of any investment, investment strategy, or asset allocation.

All investments involve risk including the possible loss of principal. There is no assurance that any investment will achieve its objectives. Past performance is not indicative of future results. It should not be presumed that future performance of any specific investment, investment strategy, or asset allocation will be profitable or equal the corresponding indicated performance level(s), including the investments, investment strategies and/or asset allocations recommended by Canopy. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable.

Statements may be forward looking and are not intended as specific investment advice without further review of individual circumstances. Such forward-looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such statements. Commentary, opinions, analysis, and recommendations may be subjective, do not guarantee future performance, and could change at any time without
notice.

Certain portions of Canopy’s website (e.g., articles, commentaries, etc.) may contain a discussion of and/or provide access to the positions and/or recommendations of Canopy and other professionals 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 recommendations(s). No such discussion is intended to serve or does serve as the receipt of, or a substitute for, personalized advice from Canopy or any other investment professional.

The third-party information provided herein is compiled from sources believed to be reliable, but has not been independently verified and the accuracy is not guaranteed. All such information is provided solely for convenience purposes only. No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this website. To the extent any third party opinions or information are included on this site, they are provided for convenience only, and the Canopy assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.

This website may contain hyperlinks to other websites not maintained or controlled by Canopy. The links are provided only for convenience. Canopy does not endorse the sponsor or owner of such other sites, or the products, services, advice or opinions or any other content of such other sites. Canopy makes no representation as to the completeness or accuracy of information provided at such other sites. Canopy makes no representation concerning the quality, accuracy, suitability, or safety of the content of such other sites.

This website, in whole or in part, may periodically be unavailable in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of the Canopy. The content of this website may change at any time, with or without notice.

Neither Canopy nor anyone who participated in creating and presenting this website and its content is or will be liable for any direct, indirect, incidental, consequential, or other damages, or losses of any kind, which may arise from access to this site or the use of any information, images, video, or sound appearing on it or derived from it. While the information on this site is maintained and periodically updated for accuracy, this information may contain omissions or errors for which Canopy disclaims any liability.

“Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER (TM) 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.”]

This website has been developed by and is the property of Canopy.