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Securing Your Legacy: Estate Planning for High-Net-Worth Families

Securing Your Legacy: Estate Planning for High-Net-Worth Families

by Kreitler Financial | Sep 26, 2024 | Estate Planning

Estate planning stands as a critical component of financial management for high-net-worth families. It goes beyond simply passing on wealth; it encompasses preserving your legacy, minimizing tax burdens, and protecting your assets for future generations. At Kreitler...
Comprehensive Wealth Planning: Navigating Complex Financial Landscapes

Comprehensive Wealth Planning: Navigating Complex Financial Landscapes

by Kreitler Financial | Aug 8, 2024 | Investment Planning, Estate Planning, Financial Planning, Retirement Planning

Today’s intricate financial world demands more than just a piecemeal approach to wealth management. Comprehensive wealth planning addresses all aspects of an individual’s financial life, creating a cohesive strategy tailored to unique situations and...
Estate and Gift Tax Implications in a Family-Owned Business

Estate and Gift Tax Implications in a Family-Owned Business

by Jake Ness | Oct 31, 2023 | Estate Planning

Family-owned businesses are unique entities that can require special considerations, including taxes.  Estate and gift taxes can be complicated to understand, especially when it comes to how they impact family businesses. To better prepare yourself for the...
Transfer Tax Implications in a Family-Owned Business

Transfer Tax Implications in a Family-Owned Business

by Jake Ness | Oct 26, 2023 | Estate Planning

Businesses come in all shapes and sizes, and family-owned businesses present unique challenges. One of the most important considerations for any business is taxes, and that’s especially true when it comes to transfer taxes. These taxes apply when transferring...
Unlock the Secrets of Family Estate Planning

Unlock the Secrets of Family Estate Planning

by Kreitler Financial | Oct 3, 2023 | Estate Planning

Planning your estate is a key step in protecting your riches. This ensures that your possessions are dispersed after your death in the manner that you desire. The Importance of Estate Planning Estate planning is crucial for people who want to guarantee that their...
Family Trusts: Safeguard Your Legacy with Expert Guidance

Family Trusts: Safeguard Your Legacy with Expert Guidance

by Kreitler Financial | Sep 19, 2023 | Estate Planning

Family is everything, and as we grow older, we often start thinking about how we can best provide for our loved ones after we’re gone.  This is where Family Trust comes in. A Family Trust is a crucial tool in safeguarding your legacy.  In this article, we...
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At Kreitler Financial, we understand that successful individuals like you have high expectations. After all, your standards are foundational to your success. We are your advocates for a future you can’t yet imagine and the pathfinders to help make it a reality.

IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial. IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

 IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial. IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.  IMPORTANT DISCLOSURE INFORMATION Kreitler Financial, LLC (“Kreitler Financial”) is an SEC registered investment adviser located in NewHaven, Connecticut. Kreitler Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements. Kreitler Financial’s web site islimited to the dissemination of general information pertaining to its advisory services, together with accessto additional investment-related information, publications, and links. Accordingly, the publication ofKreitler Financial’s web site on the Internet should not be construed by any consumer and/or prospectiveclient as Kreitler Financial’s solicitation to effect, or attempt to effect transactions in securities, or therendering of personalized investment advice for compensation, over the Internet. Any subsequent, directcommunication by Kreitler Financial with a prospective client shall be conducted by a representative thatis either registered or qualifies for an exemption or exclusion from registration in the state where theprospective client resides. A copy of Kreitler Financial’s current written disclosure Brochure discussingKreitler Financial’s business operations, services, and fees is available from Kreitler Financial uponwritten request. Kreitler Financial does not make any representations or warranties as to the accuracy,timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated thirdparty, whether linked to Kreitler Financial web site or incorporated herein, and takes no responsibilitytherefore. All such information is provided solely for convenience purposes only and all users thereofshould be guided accordingly.Please remember that different types of investments involve varying degrees of risk, and there can be noassurance that the future performance of any specific investment or investment strategy (including thoseundertaken or recommended by Kreitler Financial), will be profitable or equal any historical performancelevel(s).Certain portions of Kreitler Financial’s web site (i.e. newsletters, articles, commentaries, etc.) may containa discussion of, and/or provide access to, Kreitler Financial (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date. Due to variousfactors, including changing market conditions, such discussion may no longer be reflective of currentposition(s) and/or recommendation(s). Moreover, no client or prospective client should assume that anysuch discussion serves as the receipt of, or a substitute for, personalized advice from Kreitler Financial, orfrom any other investment professional. Kreitler Financial is neither an attorney nor an accountant, and noportion of the web site content should be interpreted as legal, accounting or tax advice.Please Note: Limitations: Neither rankings and/or recognition by unaffiliated rating services, publications,media, or other organizations, nor the achievement of any designation or certification, should be construedby a client or prospective client as a guarantee that he/she will experience a certain level of results if KreitlerFinancial, LLC is engaged, or continues to be engaged, to provide investment advisory services. Rankingspublished by magazines, and others, generally base their selections exclusively on information preparedand/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (seelink as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary,Abbrev did not pay a fee to be included on any such ranking. No ranking or recognition should be construedas a current or past endorsement of Kreitler Financial, LLC by any of its clients. ANY QUESTIONS:Charles Kreitler Financial remains available to address any questions regarding rankings and/orrecognitions, including providing the criteria used for any reflected ranking.To the extent that any client or prospective client utilizes any economic calculator or similar interactivedevice contained within or linked to Kreitler Financial’s web site, the client and/or prospective clientacknowledges and understands that the information resulting from the use of any such calculator/device, isnot, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for,personalized individual advice from Kreitler Financial, or from any other investment professional.Each client and prospective client agrees, as a condition precedent to his/her/its access to KreitlerFinancial’s web site, to release and hold harmless Kreitler Financial, its officers, directors, owners,employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/oromissions which are independent of his/her/its receipt of personalized individual advice from KreitlerFinancial.

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Data provided by SHOOK® Research, LLC — Data as of 6/30/23. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com.SHOOK is a registered trademark of SHOOK Research, LLC. Please visit forbes.com/best-in-state-wealth-advisors for more info Best-In-State Wealth Advisors

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