DISCLOSURE STATEMENT

Your-Financial-Lifeguard Inc. (“YFL”) is a Florida and Minnesota-registered investment adviser located in Florida.  Be advised that registration does not imply a certain level of skill or training.  YFL may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  YFL’s website is limited to disseminating general information about its advisory services and access to additional investment-related information, publications, and links.  Accordingly, the publication of YFL’s website on the Internet should not be construed by any consumer or prospective client as YFL’s solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice for compensation over the Internet.  Any subsequent, direct communication by YFL with a prospective client shall be conducted by a representative who is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information about the registration status of YFL, please visit the SEC’s website at www.adviserinfo.sec.gov.  Click on the “Investment Adviser Search” Link and search “Firm” using the firm’s CRD number, 115695.  A copy of YFL’s current written disclosure statement discussing YFL’s business operations, services, and fees is available from YFL upon written request or via the SEC website referenced above.

Christopher R. Revak, LLC is an affiliated company.  It is a licensed CPA firm by the State of Florida and the State of Minnesota.