Legal Notices

1. Introduction

Welcome to The Litman Gregory Portfolio Strategies web site. Litman Gregory Asset Management, LLC (“Litman Gregory”) provides Litman Gregory Portfolio Strategies. The Litman Gregory Companies are comprised of Litman Gregory Asset Management, LLC, Litman Gregory Research, Inc., Litman Gregory Fund Advisors, LLC and Litman Gregory Analytics, LLC. Please review the following legal notices regarding use of our web site. By accessing, using or downloading materials from our web site, you agree to follow and be bound by these terms and conditions, including the Terms and Conditions of Use and the Privacy Policy.

2. Terms and Conditions of Use

Any use of our web site is subject to our Terms and Conditions of Use.

3. Privacy Policy

Information transmitted or exchanged in using our web site is subject to our Privacy Policy.

4. Copyright Information

Copyright ©2006 The Litman Gregory Companies. All rights reserved. You may view, download and print documents, text, photographs and graphics from our web site subject to the following restrictions: You are solely authorized to use this material only for personal, non-commercial purposes, including downloading and printing of materials, provided this copyright permission and any copyright or trademark notice is included in all such printed copies. Modification or alteration of this material is strictly prohibited. Except as expressly provided herein, you may not use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit or distribute any information from our web site in whole or in part without the prior written permission of The Litman Gregory Companies.

5. Trademark Information

Unless otherwise indicated, service marks, service names, slogans, logotypes or logos set forth on our web site are trademarks or registered trademarks or service marks of The Litman Gregory Companies. Any other company, product, trade or service names set forth on our web site are used for identification purposes only and may be trademarks of their respective owners.

6. Webinar Replays

The published research available online is for institutional or financial professional use only, not for public viewing or redistribution. Replays contain language and views recorded during live webinar events. Research, commentaries and webinars contain opinions and statements of financial market trends that are based on then-current market conditions, constitute our judgment and are subject to change without notice. We believe the information provided here is reliable but should not be assumed to be accurate or complete. The views and strategies described may not be suitable for all investors. The views expressed are provided for informational purposes only and no statement is to be held as promissory or construed as a solicitation or offer to buy or sell a security, or the rendering of personalized investment advice. There is no agreement or understanding that Litman Gregory will provide individual advice to any investor or advisory client in receipt of this research. Certain information constitutes “forward-looking statements” and due to various risks and uncertainties actual events or results may differ from those projected. Past performance may not be indicative of future results and there can be no assurance the views and opinions expressed herein will come to pass. Investing involves risk, including the potential loss of principal. Any reference to a market index is included for illustrative purposes only, as an index is not a security in which an investment can be made. Indexes are unmanaged vehicles that do not account for the deduction of fees and expenses generally associated with investable products. For additional information about Litman Gregory, please consult the Firm’s Form ADV disclosure documents, the most recent versions of which are available on the SEC’s Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov) and may otherwise be made available upon written request.

7. Our Address

If you need to contact us for any reason, please do so at the following address:

The Litman Gregory Companies
1676 N. California Blvd., Suite 500
Walnut Creek, CA 94596