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The Internet Retirement Alliance (IRA.com) is an online forum and is designed to help people obtain information about making personal financial decisions. This information is provided primarily by outside contributors who are financial planners or who have expertise concerning investing and making personal financial decisions. The material and information is obtained from a wide variety of sources. IRA.com believes this information is accurate, current and authoritative, but it may not be. IRA.com does not represent or warrant that the information on this site will meet your requirements. IRA.com provides the information “as is”, without any express or implied warranties. For example, IRA.com does not warrant the accuracy, timeliness, completeness, adequacy, merchantability or fitness for a particular purpose of any of the information available on or through the site. IRA.com shall not be liable to any person with respect to any actual or alleged inaccuracy, untimeliness, incompleteness, inadequacy, unmerchantability or unfitness of any such information. IRA.com does not provide legal, accounting, investment, or other professional services. If the reader requires legal, accounting, investment, or other expert assistance, the services of a competent professional person should be sought.

The information provided on this site can also help you locate a financial professional for your financial planning needs. The financial professionals who participate in IRA.com are expected to maintain appropriate credentials in compliance with applicable federal and state regulations. Many of these financial professionals are not personally known to IRA.com and IRA.com does not independently verify the credentials of these financial professionals. IRA.com specifically disclaims any liability or responsibility for any actions or statements made by any individuals or institutions who are reached via this web site, or to whom users of this web site are referred. IRA.com recommends that you approach the financial professionals you meet through this site the same way you would treat any other service provider you engage. Get to know them, check their references and make sure they are the right professional for you.

We strongly recommend the following independent web-sites maintained by the government and professional associations to obtain useful information concerning protection against cyberfraud: Securities and Exchange Commission (http://www.sec.gov), how to invest carefully: the National Association of Securities Dealers (http://www.nasdr.com) and avoiding online investment schemes:the North American Securities Administrators Association (http://www.nasaa.org).

You are responsible for your own investment decisions. Neither IRA.com nor anyone affiliated with IRA.com is responsible for any investment decision. All investment decisions should be made only after independently educating yourself on a particular investment or investing technique. It is a mistake to rely solely on the information available on IRA.com rather than engaging in independent research. If you choose to ignore this advice, you do so at your own risk. Please proceed with caution as you make the best use of the IRA.com

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