Welcome to olhoeftfinancial.com. This Site is owned and operated by Olhoeft Financial, LLC. Please read the following Legal Notices that are the terms and conditions of use for this website ("Site"). By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use. If you do not agree to these conditions, do not use this Site.

The data, information, and content on this Site are for information, education and noncommercial purposes only. Although Olhoeft Financial, LLC may provide data, information, and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Olhoeft Financial, LLC or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other websites, neither Olhoeft Financial, LLC nor any of its affiliates is recommending or endorsing services provided by any website's sponsoring organization. Materials relating to the products, mutual funds and services referred to on this website should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.

Investing entails risks, including possible loss of principal. There are special risk considerations associated with value strategy investing, international investing (including emerging markets) and small company investing. No assurances or guarantees are given regarding the performance of any investment. Returns, share price, and yield will fluctuate and redemption value may be more or less than original cost. Investment in the products and services referred to on this website are not insured or guaranteed by the US government or any other party.

Comparative indexes are unmanaged and do not reflect the payment of advisory fees and other expenses associated with an investment in a fund. Investors cannot invest directly in an index.

Mutual fund investors may receive taxable dividends and capital gain distributions. Your tax obligation may affect the after-tax returns realized from your investment. Please consult your tax advisor concerning your particular circumstances.

Olhoeft Financial, LLC hereby grants you a limited, nonexclusive, nontransferable license to view, bookmark, download, and print the pages within this Site and the documents, graphics, and media incorporated on those pages. The pages within this Site may be used solely for personal, informational, and noncommercial purposes. You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, information, software, products, or services obtained from this Site, unless you have obtained the prior written permission of Olhoeft Financial, LLC or you are using a service available through this Site. All rights not expressly granted herein are reserved by Olhoeft Financial, LLC. Olhoeft Financial, LLC expressly reserves the right to monitor any and all use of this Site.

Each of the investment products and services referred to on this website is intended to be made available to US residents. This website shall not be considered a solicitation or offering for any investment product or service to any person in any jurisdiction where such solicitation or offer would be unlawful. Because of the global nature of the Internet, you agree to comply with all local rules regarding online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

Olhoeft Financial, LLC has not reviewed or authorized any sites linking to this Site. We do not take responsibility for any websites linking to this Site or any links from this Site. Following links from and to this Site is at your own risk.

Copyright ©2006 Olhoeft Financial, LLC. All rights reserved. All content on this Site, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code, and xml code, is the property of Olhoeft Financial, LLC and its affiliates or its suppliers, and is protected by United States and international copyright laws.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, OLHOEFT FINANCIAL, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. OLHOEFT FINANCIAL, LLC MAKES NO WARRANTY THAT: THIS SITE WILL MEET YOUR REQUIREMENTS; THIS SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS, OR OTHER HARMFUL COMPONENTS; THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS SITE WILL MEET YOUR EXPECTATIONS; ANY ERRORS ON THIS SITE WILL BE CORRECTED; AND THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, OR RELIABLE.

ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

NO ADVICE OR INFORMATION, WHETHER WRITTEN OR ORAL, WHETHER OBTAINED BY YOU FROM OLHOEFT FINANCIAL, LLC, FROM A OLHOEFT FINANCIAL, LLC EMPLOYEE OR AGENT, OR THROUGH OR FROM THIS SITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE. OLHOEFT FINANCIAL, LLC WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF OLHOEFT FINANCIAL, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY MATTER RELATING TO THIS SITE.

You agree to indemnify, defend, and hold harmless Olhoeft Financial, LLC, its subsidiaries and affiliates, and the officers, directors, employees, and agents of Olhoeft Financial, LLC and its subsidiaries and affiliates, from and against any and all claims, liabilities, damages, losses, or expenses, including attorney's fees and costs, arising out of or in any way connected with your access to or use of this Site.

If any provision of these Legal Notices is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severed and will not affect the validity and enforceability of the remaining provisions. These Legal Notices represent the entire agreement between Olhoeft Financial, LLC and the user relating to the subject matter herein.

Olhoeft Financial, LLC controls and operates this Site from our offices within the State of California, United States of America. By visiting this Site, you agree that the laws of the State of California, United States of America, without regard to principles of conflict of laws, will govern these conditions of use and any dispute of any sort that might arise between you and Olhoeft Financial, LLC arising from your use of this Site. The courts of the state of California shall have exclusive jurisdiction to settle any dispute that may arise out of, under or in connection with these conditions and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.

Olhoeft Financial, LLC reserves the right, at its discretion, to modify these conditions of use at any time, and any such modification will be effective immediately upon posting the modification. We suggest that you check these Legal Notices periodically for modifications. If you use this Site after we post modifications to this Site, then you will be bound by such modifications.