Disclaimer for Client Communication:
Herbein Financial Group is a joint venture between Northeast Financial Group, Inc. (“NEFG”) and Herbein Financial Group, LLC (“HFG”).  Investment Management services are provided through NEFG while HFG will provide certain relationship services.

Registration as an investment advisor does not constitute an endorsement of the firm by the Securities Exchange Commission or any other securities regulator and does not mean the advisor has attained a particular level of skill or ability. HFG and NEFG only transact business in states where they are properly notice filed or excluded or exempted from notice filing and/or registration requirements. Registration does not imply a certain level of skill or training. A copy of HFG’s and NEFG’s current Relationship Summaries and written disclosure statement discussing their business operations, services, and fees are available upon request from HFG or NEFG  or by going to the SEC's website (www.adviserinfo.gov).

HFG and NEFG are each a Registered Investment Advisor registered with the Securities Exchange Commission. This report is for information purposes only and does not constitute a complete description of our services or performance. The information contained in this document is not a solicitation to sell securities or investment advisory services where such an offer would not be legal. Past performance is never a guarantee of future performance.

The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors. Herbein Financial Group, Inc. and its advisors are not authorized to practice law or provide legal, tax or accounting advice. If a numerical analysis is shown, the results are neither guarantees nor projections, and actual results may differ significantly. Any assumptions as to interest rates, rates of return, inflation, or other values are hypothetical and for illustrative purposes only. Rates of return shown are not indicative of any particular investment and will vary over time. Any reference to past performance is not indicative of future results and should not be taken as a guaranteed projection of actual returns from any recommended investment.

Disclaimer for Investment Assumptions and Returns:

The investment assumptions and returns presented in this document are hypothetical in nature and are based on a number of factors, including historical market data, economic forecasts, and the judgment of the investment manager. These assumptions and returns may not be realized in the future, and actual results may vary materially. All investments carry risk, and there is no guarantee of future performance.

Specifically, the following disclaimers apply:

• Historical performance is not indicative of future results. Past performance is not a guarantee of future results, and investors should not assume that any investment strategy will be successful in the future.
• All investments carry risk. There is no guarantee that any investment will generate a positive return or that investors will not lose money.
• Investment assumptions are subject to change. The investment assumptions used to generate the returns presented in this document are based on a number of factors, including historical market data, economic forecasts, and the judgment of the investment manager. These assumptions may change over time, and actual results may vary materially.
• Investment returns are not guaranteed. The returns presented in this document are hypothetical in nature and are not guaranteed. Actual results may vary materially.