KRS may only conduct business in those states in which it is registered or exempted from registration. This website does not constitute investment advice, a solicitation, or an attempt to effect transactions in securities.

The information contained within this website is for informational purposes only and while every attempt is made to provide accurate information the website may contain certain errors or omissions. Any information provided on the website is as of a specific prior date. Thus, due to various factors, the information provided may no longer reflect current business practices and/or opinions of KRS or any other investment professional.

Access to certain calculators, investment information, etc., are provided as a courtesy to our client and prospective clients. SFGRPC provides this information “as is” and without any warranty as to the accuracy, suitability, reliability, or availability of such information, software, or service.

The services described in the website are for appropriately licensed, appointed, and qualified adviser use only. Additionally, the services described in the website are for educational purposes only and are not intended as individualized investment advice or a recommendation to buy, sell, or continue to hold any investment. As such, KRS should not to be construed as recommending any particular product type (e.g. variable annuity, advisory account, etc.) or any particular product nor should KRS be construed as providing guidance on the suitability of any product, any model portfolio, or any investment option for any individual client. The model portfolios and recommended funds may not be suitable for all investors. Investing entails risks and there can be no assurance that acting upon any of the information contained within this Guide will result in profits or avoid incurring losses.

Backtested performance is NOT an indicator of future actual results. The results reflect performance of model portfolios not available to investors and do NOT represent returns that any investor actually attained. Backtested results are calculated by the retroactive application of a model constructed on the basis of historical data and based on assumptions integral to the model which may or may not be testable and are subject to losses.

Certain assumptions have been made for modeling purposes and are unlikely to be realized. No representations and warranties are made as to the reasonableness of the assumptions. This information is provided for illustrative purposes only. Backtested performance is developed with the benefit of hindsight and has inherent limitations. Specifically, backtested results do not reflect actual trading or the effect of material economic and market factors on the decision making process. Since trades have not actually been executed, results may have under or over compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision making process. Further, backtesting allows the security selection methodology to be adjusted until past returns are maximized.

Actual performance may differ significantly from backtested performance. Backtested results are adjusted to reflect the reinvestment of dividends and other income and except where otherwise indicated, are presented gross of fees and do not include the effect of backtested transaction costs, management fees, performance fess or expenses, if applicable.

Morningstar©. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar© and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar© nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

“fi360©” and “fi360©; Fiduciary Score” are registered trademarks of fi360©, Inc. The fi360© Fiduciary Score and data are copyright © 2017 fi360©, Inc. All Rights Reserved. fi360© Data source is Morningstar©, Inc. All Rights Reserved. The information contained herein is reprinted with permission of fi360©, Inc. The information (1) is proprietary to fi360©, and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete, or timely. Neither fi360© nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

Retirement Plan Advisory Group (“RPAG™”) developed and owns the Scorecard System™ represented in this document and has granted KRS permission for its use. KRS makes no claims pertaining to RPAG™’s scores.

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