General Communication Disclaimer
This communication is for informational or client communication purposes only and is not a solicitation or recommendation to buy or invest in any product or service. The information contained herein is reasonably believed to be reliable, but Derastone LLC dba Wealth Habits, along with its affiliates (“Wealth Habits” or “Derastone” or “Strategic Investors”) does not guarantee accuracy or completeness. If you believe that you have received this message in error, please also notify us of your receipt of this message in error immediately by replying to this e-mail. The information contained in this electronic mail transmission and any attachments may also be subject to attorney-client privilege or be privileged work product, proprietary or other protected information. This information is intended for the exclusive use of the addressee(s). If you are not the intended recipient, you are hereby notified that any use, disclosure, dissemination, distribution (other than to the addressee(s), copying or taking of any action because of this information is strictly prohibited.

Investments Disclaimer
Derastone LLC is an Investment Adviser registered with the SEC. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Diversification does not ensure a profit or protect against a loss in a declining market. Past performance is not an indication of future results. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication’s conclusions. Please contact us at if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions. Wealth Habits manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Please notify us if you do not receive statements from your Custodian on at least a quarterly basis. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.

Email Security Disclaimer
Information sent via email may not be secure. It may be corrupted by computer viruses or network errors, may be subject to alteration or deletion by other computer systems, or may be intercepted during transmission and exposed to third parties.

Tax Disclaimer
Derastone does not provide tax, accounting or legal advice. For purposes of Circular 230 and unless expressly stated otherwise above, nothing contained in this message, either in the body of the email or attached separately, was intended or written to be used or may be relied upon or used by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer under the Internal Revenue Code of 1986, as amended.

Electronic Transmission Disclaimer
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Diversification does not guarantee a profit nor is it guaranteed to protect assets. Derastone LLC only transacts business in states where it is properly registered, or exempted from registration. Derastone LLC does not accept time-sensitive transactional messages, including orders to buy and sell securities. Do not use email to request, authorize or send securities transfer instructions.

Confidentiality Notice: All email transmissions, including any attachments, from Derastone LLC, are intended only for the person or entity to which it is addressed and may contain privileged and/or confidential material. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution, or copy of this message is strictly prohibited. If received in error, please notify the sender immediately and delete/destroy the message and any copies thereof. This does not constitute investment advice and is not intended as an offer or solicitation to anyone. It is presented for information purposes only. The products or services described or referenced herein may not be suitable or appropriate for the recipient. Many of the products and services described or referenced herein involve risks and the recipient should not make any decision or enter into any transaction unless the recipient has fully understood all such risks and has independently determined that such decisions or transactions are appropriate for the recipient.

Website Disclaimer
This website is for informational purposes only and does not constitute a complete description of our investment services. This website is in no way a solicitation or offer to sell securities. THE INFORMATION ON THIS WEBSITE IS NOT AN OFFER BY OR ON BEHALF OF ADVISER OR ITS AFFILIATES TO SELL OR SOLICIT AN OFFER TO BUY ANY SECURITY OR OTHER SERVICES.

The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Derastone LLC in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

Information throughout this website, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.

THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY ‘LINKED’ WEBSITE. The Company and its investment adviser representatives only transact business in states where they are properly registered, or excluded or exempted from registration requirements. Information on this website should not be construed as personal investment advice.

Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this website, or indirectly via link to any unaffiliated third-party website, will be profitable or equal to corresponding indicated performance levels.

Investment Risks
Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. No client or prospective client should assume that any information presented and/or made available on this website serves as the receipt of, or a substitute for, personalized individual advice from the advisor or any other investment professional. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. Diversification does not protect against loss in a declining market. Exchange-Traded Funds (ETF’s) and mutual funds are subject to risks similar to those of stocks, such as market risk, and investors that have their funds invest in accordance with the portfolios may experience losses. The use of leverage by an exchange-traded fund or mutual fund increases the risk to the fund. The more a fund invests in leveraged instruments, the more the leverage will magnify gains or losses on those investments. The value of an investment and the return on invested capital will fluctuate over time and, when sold or redeemed, may be worth less than its original cost. Additionally, fixed income (bond) ETF’s or mutual funds are subject to interest rate risk which is the risk that debt securities in a portfolio will decline in value because of increases in market interest rates. Investments in foreign investments may incur greater risks than domestic investments.

Billing Accuracy
As part of the advisory billing process, the client’s custodian is advised of the amount of the fee to be deducted from that client’s account. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions and holdings within the account during the reporting period, in addition to any advisory fees paid. Because the custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of the calculation, among other things. Clients should contact the advisor directly if they believe that there may be an error in their statement. We urge our clients to carefully compare the information provided on our statements to statements provided by their custodian in order to ensure that all account transactions, holdings, and values are correct and current.

Proxy Voting Policy
Pursuant to our client agreement and disclosure brochure, Derastone LLC does not vote proxy voting ballots. As a reminder, we may receive proxy voting materials on your behalf, but as a matter of policy, we do not vote on them. Unless you instruct us otherwise, such materials will be securely discarded on your behalf. Please contact our office with any questions or concerns.

We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability. To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more. This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs. Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating, and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements.