RZ WEALTH WEBSITE "LEGAL DISCLOSURE" Renaissance Investment Consultants Holding Company, LLC d/b/a RZ Wealth ("RZ Wealth”) is an investment advisor located in Pennsylvania. RZ Wealth and its representatives are in compliance with the current registration requirements of those states in which RZ Wealth maintains clients. RZ Wealth may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. RZ Wealth's website is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of the RZ Wealth website on the internet should not be construed by any consumer and/or prospective client as RZ Wealth'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 RZ Wealth 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. A copy of RZ Wealth's current written disclosure statement discussing RZ Wealth's business operations, services, and fees is available from RZ Wealth upon request. RZ Wealth 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 RZ Wealth's website or incorporated herein, and takes no responsibility thereof. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by RZ Wealth) or product made reference to directly or indirectly by RZ Wealth in its website, or indirectly via a link to an unaffiliated third party website, 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 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. Certain portions of RZ Wealth's website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, RZ Wealth's (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 recommendations(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 RZ Wealth, or from any other investment professional. RZ Wealth is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice. Correspondingly, each client and prospective client agrees, as a condition precedent to his/her/its access to RZ Wealth's website, to release and hold harmless RZ Wealth, its officers, directors, 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 RZ Wealth.To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to RZ Wealth' 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 RZ Wealth, or from any other investment professional.Clients utilizing this website for the purpose of accessing documents posted to a web portal do so with the understanding that accessing such information through the portal should be done only through secure channels and on non-public machines. RZ Wealth cannot be responsible for criminal activities of others, specifically those that may access client information through the use of a client’s password or other credentials.Clients are strongly encouraged to compare the information found through the portal with any information received directly from their account custodian.