Legal Disclaimer

IMPORTANT CONSUMER DISCLOSURE

Barnett Financial, Inc. (“Barnett”) is an investment adviser registered with the Securities and Exchange Commission www.adviserinfo.sec.gov. Barnett and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which Barnett maintains clients. Barnett may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Barnett’s web site is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of Barnett’s web site on the Internet should not be construed by any consumer and/or prospective client as Barnett’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 Barnett with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Barnett, please contact the state securities law administrators for those states in which Barnett is registered. A copy of Barnett’s current written disclosure statement discussing Barnett’s business operations, services, and fees is available from Barnett upon written request. Barnett does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Barnett’s web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Certified Financial Planner

CFP® and Certified Financial Planner™ are certification marks owned by Certified Financial Planner Board of Standards Inc. (CFP® Board), which can help you identify financial planners who are committed to competent and ethical behavior when providing financial planning. Individuals certified by CFP® Board have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience and ethical requirements. These standards are called “the four Es,” and they are four important reasons why the financial planning practitioner you select should display the CFP® certification marks.

Fee-Only

The National Association of Financial Advisors (“NAPFA”) defines a Fee-Only planner as one who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A NAPFA member or affiliate may not receive commissions, rebates, awards, finder’s fees, bonuses or any form of compensation from others as a result of a client’s implementation of the individual’s planning recommendations.