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Do You Have to Pay Taxes During Retirement?

by Kreitler Financial | Mar 9, 2023 | Financial Planning

If you have been investing wisely you will likely have various types of assets and resources built up that can sustain your desired quality of life by the time you are ready to retire. Although having plenty of capital accumulated for your retirement is a great thing,...

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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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