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This site is a financial publication of general and regular circulation. This site does not collect any specific information on the financial or investment situation of any reader, and this site does not render any advice on the basis of any readers' specific financial or investment situation.

All the personal finance, personal financial planning, personal investment management, and other information on this website is solely for your informational and educational purposes related to your personal, private, and non-commercial use. This website DOES NOT constitute or provide personalized financial planning advice, personalized investment advice, or any other kind of personalized financial advice under the laws and regulations of the United States of America and its various States or of any other country in the world. In no way does this site constitute a solicitation or offer to sell investment securities, investment advisory services, financial planning services, or any other kind of financial service as defined under any financial or securities law anywhere in the world.

THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, FOR THIS WEBSITE, INCLUDING NO WARRANTY FOR MERCHANTABILITY AND NO WARRANTY FOR FITNESS FOR ANY PARTICULAR PURPOSE. This website's articles may report on publicly available information and on published research, and this website may also express opinions. No information in any of these public sources, research studies, and opinions have been verified. There could be errors with this information and in the opinions that are expressed. It is solely your responsibility to verify all information before investing or making any other personal financial decision of any kind. We have absolutely no responsibility whatsoever concerning what you do with the information you find here.

You are hereby notified that Lawrence Russell and Company is a personal financial planning services provider and a registered investment adviser in the State of California. As an entirely separate part of its business from this website, Lawrence Russell and Company provides comprehensive, independent, and individually customized financial planning and investment advisory services to clients solely through signed fee-only contracts. These personalized advisory services are only available through individually negotiated contracts, which must be signed by both parties. These customized advisory contracts specify the scope of services, deliverables, and fees. Your use of any information on this website will not establish an advisory relationship of any kind with Lawrence Russell and Company.

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