Important Disclosures

SJM Fiduciary Advisors, LLC (“SJM”) is an SEC registered investment adviser located in Boston, Massachusetts. SJM and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which SJM maintains clients. SJM may only transact business in those states in which it is registered / notice filed, or qualifies for an exemption or exclusion from registration / notice filing requirements.

SJM’s website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, publication of SJM’s website on the Internet should not be construed by any consumer and/or prospective client as SJM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, the information resulting from the use of tools or other information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from SJM. Any subsequent, direct communication by SJM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of SJM, please contact the United States Securities and Exchange Commission on their website at A copy of SJM’s current written Disclosure Brochure discussing SJM’s business operations, services, and fees is available from SJM upon written request. SJM does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to SJM’s website or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.