IMPORTANT DISCLOSURES AND DISCLAIMERS

BRS Multi Family Office Advisors, LLC, is a legal entity separate from BRS Consulting, Inc., and BRS Financial, LLC. Collectively, these companies are referred to as “the BRS Companies.” The BRS Companies do not provide accounting, tax, or legal advice. BRS Financial, LLC, is a Registered Investment Adviser, CRD #158566, in the State of Arkansas. BRS Financial, LLC, may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Insurance services are offered through BRS Consulting, Inc., AR Ins. Lic. #1004104209, and its duly contracted and licensed agents. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice. Financial planning activities are conducted through BRS Consulting, Inc. However, no fees are charged for such financial planning activities conducted through BRS Consulting, Inc. Financial planning fees may be charged through BRS Financial, LLC. Insurance products are not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by a bank, and may go down in value. BRS Consulting, Inc., is an insurance agency and not an insurance carrier. Always read your policy for coverage terms and conditions. For more information about BRS Consulting, Inc., visit www.brsconsulting.com. For more information about BRS Multi Family Office Advisors, LLC, visit https://brsmultifamilyoffice.com/. Additional information about BRS Financial, LLC, is available on the SEC’s website at www.adviserinfo.sec.gov. BRS Financial, LLC,’s CRD number is: 158566. Should you have any questions about the relationship between, or about any potential conflicts that may arise as a result of the relationship between, the BRS Companies, please contact David Sims, Principal and Chief Compliance Officer, at 877-588-3217 or by email at dsims@brs-financial.com or dsims@brsconsulting.com.

Mandatory California Disclosure:

In offering financial planning, a conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. This statement is required by California Code of Regulations, 10 CCR Section 260.235.2.