1. The economic concepts presented here may not necessarily reflect the future performance of the economy or of individual investments.

2. For your own protection, The Smart Money Talks.Com website is not a vehicle to be used for delivering securities transaction instructions of any kind. Please do not use this website to ask us to send income dividends, sell or purchase any securities, or send the proceeds from prior securities transactions through this website. However, we encourage you to call or speak directly with David Cryden or a Cryden Team member to effect any of the above types of requests.

3. 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's or prospective client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

4. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results.

5. Smartmoneytalks.com is owned and operated by David W. Cryden, CFP®. David is a Certified Financial Planner™, Registered Principal, and Vice President of Blakesee & Blakesle, Inc. in San Luis Obispo, California.