ETFMS Website Disclosure

ETF Model Solutions, LLC’s (“ETFMS”) websites, www.ETFModelSolutions.com, www.MyRoboAdviser.com, www.EndowmentIndex.com or any other websites (including profiles on social media sites (including, but not limited to LinkedIn, Facebook and Twitter) created by ETFMS (individually a or the “Website” or collectively, the “Websites”) are for informational and educational purposes only intended exclusively for individuals and entities interested in learning more about ETFMS and our investment services and strategies. The content on our Websites (or any social media site) should not be construed as advice.

Websites are created and maintained in accordance with all SEC advertising guidelines and regulations. Please read this important disclaimer before acting on any of the ideas or advice contained herein on this Website and/or this Website’s blog:

ETF Model Solutions, LLC. (“ETFMS”) is a registered investment adviser with the U.S. Securities & Exchange Commission. Registration of an Investment Adviser does not imply any level of skill or training; however, it does make ETFMS subject to scrutiny and oversight by the U. S. Securities and Exchange Commission (“SEC”). In addition to imposing a “fiduciary duty” on our firm, our registration requires us to comply with various rules and pronouncements by the SEC.

ETFMS’s Websites are limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of content on Websites on the Internet should not be construed by any consumer and/or prospective client as ETFMS’s solicitation to effect, attempt to effect transactions in securities, or render personalized investment advice for compensation, over the Internet. Any subsequent direct communication by ETFMS 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 ETFMS, please contact the SEC or the state securities law administrators for those states in which ETFMS maintains a notice filing. A copy of ETFMS’s current written disclosure statement discussing ETFMS’s business operations, services, and fees is available from ETFMS upon written request. Our most recent disclosure statement can also be found on the SEC’s website at https://adviserinfo.sec.gov/firm/summary/168410.

ETFMS 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 ETFMS’s Website(s) or incorporated herein and takes no responsibility there for. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by ETFMS) or product made reference to directly or indirectly by ETFMS in its Website(s), or indirectly via a link to an unaffiliated third-party web site, will be profitable or equal the corresponding indicated performance level(s). 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 or prospective client’s investment portfolio.

Any index results posted on the Website(s) and/or Website blogs are for informational and/or comparison purposes only. You cannot invest directly in an index. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of ETFMS’s Website(s) (i.e., newsletters, articles, commentaries, etc. or links to such content) may contain a discussion of, and/or provide access to, ETFMS’s (and those of other investment and non-investment professionals) investment positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from ETFMS, or from any other investment professional.

ETFMS is neither an attorney nor accountant, and no portion of the Website content should be interpreted as legal, accounting or tax advice.

ETFMS’s Website(s) and electronic communications (email, newsletters, etc.) contain commentary and links to certain articles only as a convenience. Linked articles have been written by third parties not affiliated with ETFMS. No information contained in these articles has been endorsed or approved by ETFMS and is not responsible for the content. No information accessed through these articles constitutes a recommendation by ETFMS to buy, sell or hold any security, financial product or instrument discussed therein. 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 ETFMS’s Website or incorporated herein, or provided through electronic email or other communications and takes no responsibility, therefore. All such information is provided solely for informational and convenience purposes only and all users thereof should be guided accordingly.

Users who access the information on this or any ETFMS-created Website should be aware that investment markets have inherent risks and there can be no guarantee of future profits. The past performance of any investment or strategy does not assure future results for any investor. ETFMS publishes information based on our opinions, our statistical and financial data analysis, and independent research. We obtain research from public sources and from private sources to which we subscribe or contract. Although we make every effort to provide the most accurate and updated information possible, our information does not consider your personal finances and goals, and therefore is not intended to be used, considered, or treated as customized investment or tax advice. The ideas and suggestions which we provide on this site should be treated as educational information to supplement (and not to replace) your own due diligence, research, investment experience and investing strategies. You must make independent decisions regarding investments or strategies mentioned on this or any of ETFMS-created Website and we strongly recommend that you consult with a qualified and competent financial advisor if you wish to obtain customized investment advice. This information may have been previously disseminated by ETFMS and/or its advisory affiliates to their respective clients. You should not treat any opinion expressed on the Website(s) as a specific inducement to make a particular investment or follow a particular strategy. Content on the Website(s) are based upon information we consider to be reliable, but neither ETFMS nor its affiliates and/or subsidiaries warrant its completeness or accuracy, and it should not be relied upon as such. Statements and opinions are subject to change without notice and we are not under any obligation to update or correct any information provided on the Website(s).

ETFMS does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed or posted on this or any other ETFMS-created Website. Strategies or investments discussed may fluctuate in price or value. Diversification does not guarantee a profit nor protect against loss in a declining market.

At any time, ETFMS and/or employees of any affiliates may be long, short, or neutral in client accounts or personal accounts, or securities mentioned on an ETFMS-created Website(s) and may trade or have recently traded for their own accounts(s), securities mentioned, or similar securities based on the information presented. The content creators may also take positions inconsistent with the views expressed in the messages on the blog. The information on this site is not to be construed as investment advice; it is for educational purposes only.

We do not receive any direct nor indirect direct compensation or payment from other sources for the content published on this site.

ETF Model Solutions, Endowment Investment Philosophy® and the Endowment Index® are registered trademarks of Endowment Wealth Management, Inc. All rights reserved.

Likes are not endorsements.

ETFMS Terms And Conditions

Welcome to the Website for ETF Model Solutions, LLC The proprietary ideas, analysis and other content published on ETF Model Solutions, LLC’s (“ETFMS”) website, www.etfmodelsolutions.com (the “Website”) or any other websites created by ETFMS is for informational and educational purposes only intended exclusively for individuals and entities interested in learning more about ETFMS and our investment strategies. The content herein on this Website should not be construed as advice.

The content of this Website is published in the United States of America and persons who access it agree to do so in accordance with applicable U.S. law.

When you access www.etfmodelsolutions.com, our mobile application, and our other online services and Website, you are agreeing to be bound by the following Terms & Conditions, as well as the ETFMS Privacy Policy (linked here) and our Digital Privacy Policy (linked here) all of which may be updated by us from time to time without notice to you. Please review them carefully. If you do not agree to these Terms and Conditions, you may not access nor use the site.

Conditions of Use. You agree that you will comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements. You further agree that you will use the Website solely for your personal, non-commercial use and will not attempt to interfere with the functioning of the Website in any way.

 Secured Areas. Access to and use of password protected and/or secure areas of the site is restricted to authorized users only. Unauthorized persons attempting to access these areas of the may be subject to legal action.

Terms of our Advisory Services are governed by Contractual Agreements. The provision of advisory services to our clients is governed by our various Client Agreements, which vary based upon the services for which you intend to receive from ETFMS. You should read any applicable Client Agreements carefully before determining whether to engage ETFMS to provide you with discretionary or non-discretionary advisory, financial planning, or other financial services. Notwithstanding the foregoing or anything else in these Terms and Conditions to the contrary, in the event of any conflict between the Terms and Conditions and a Client Agreement, the Client Agreement shall control.

Use of the Website. We control this Website from our offices in the State of Wisconsin in the United States of America. The Website can be accessed from any of the United States or countries worldwide. Since the laws of each state, country, or jurisdiction able to access this site may differ, by accessing this site, you and we agree that that statutes and laws of the State of Wisconsin, without regard to choice of law principles, will apply to all matters relating to use of the Website. No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term. We do not make any representation that materials made available through the Site are appropriate or available for use in other locations and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws.

The Website is intended solely for individuals who are age 18 or older. Any access to or use of the Website by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms and Conditions. By accessing or using the Website, you represent and warrant that you are 18 or older.

The Website is only intended for use by persons located in the United States. ETFMS makes no representation that the Website is appropriate or available for use outside the United States. Similarly, ETFMS makes no representations that accessing the Website from locations outside the United States is legal or permissible under local law.

Choice of Law. All Website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the applicable laws of the State of Wisconsin, without regard to conflict of law principles. If there is any dispute between us concerning these Terms of Use or your use of the Site, you irremovably consent to the jurisdiction of the courts in Outagamie County, Wisconsin.

Website is for Informational and Educational Use Only. The publicly available portions of the Website (i.e., the sections of the Website that are available to individuals who are not party to a Client Agreement) are provided for informational and educational purposes only and are not intended to provide legal, tax, or financial planning advice. In using the publicly available portions of the Website, you agree that you are responsible for your own investment research and decisions, that you will not rely on the Website as the primary basis for your investment decisions, and, except as otherwise provided herein, ETFMS will not be liable for any actions you take based on information you receive via the publicly available portions of the Website.

 Access to the Website. ETFMS reserves the right, in its sole discretion, to deny you access to the password protection segments of the Website, or any portion of the Website, without notice and without reason. For the avoidance of doubt, your access to and use of the publicly available portions of the Website shall be governed by these Terms and Conditions, and the provision of any investment advisory services shall be governed by the Client Agreements with respect to such services. Notwithstanding the foregoing or anything else in these Terms and Conditions to the contrary, in the event of any conflict between the Terms and Conditions and a Client Agreement, the Client Agreement shall control.

 No Warranties. Release All products, services, and content on the Website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, completeness, or accuracy with respect to the Website, any services offered thereon, site content, third party content, or any other content. We do not warrant that the functions preformed by this site will be uninterrupted, timely, secure, or error-free; or that defects or errors on the Website will be corrected. ETFMS specifically disclaims any duty to update the information on the Website and it is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of any information available on the Website(s). If you choose to any resources or tools on our site, or rely on the information presented on it, you do so solely at your own risk.

Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.

Limited Liability

NEITHER ETFMS NOR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS SHALL BE LIABLE IN ANY WAY FOR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE, OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR A LINKED WEBSITE (INCLUDING BUT NOT LIMITED TO THE DELAY OR INABILITY TO USE THE WEBSITE OR A LINKED WEBSITE). THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARE FORESEEABLE OR WHETHER ETFMS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. IN NO EVENT SHALL ETFMS’S CUMULATIVE LIABILITY TO YOU EXCEED U.S. $100.

If you are dissatisfied with the Website, its services, any of its content, or these Terms and Conditions, your sole and exclusive remedy is to cease using the Website. Some states or jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, and therefore some of the above limitations may not apply to you. In such states, the Website’s liability is limited, and warranties are excluded to the greatest extent permitted by law, but shall, in no event, exceed one hundred dollars ($100).

Notwithstanding the foregoing, federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith, and therefore nothing herein shall in any way constitute a waiver or limitation on rights which the reader may have under state or federal securities laws.

Indemnification and Hold Harmless. Correspondingly, you agree that as a condition precedent to your access to ETFMS’s Website, to release and hold harmless ETFMS, its officers, directors, employees, and agents from any liability for that harm, including any and all adverse consequences resulting from any of your actions and/or omissions which are independent of your receipt of personalized individual advice from ETFMS. You agree to indemnify, defend, and hold ETFMS harmless from any liability, loss, claim and expense, including attorney’s fees, related to your violation of these Terms and Conditions or use of the site(s). Nothing in these terms of use shall affect any non-waivable statutory rights that apply to you. ETFMS reserves the right to assume the exclusive defense and control (at your expense) of any matter that is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting ETFMS’s defense of such matter.

 Investment Tools & Investment Performance. ETFMS makes no representation regarding the likelihood or probability that any actual or hypothetical investment will in fact achieve a particular outcome or perform in any predictable manner. Any historical return information on the Website does not represent the actual performance of any specific investor’s account and may not reflect all factors that could impact such performance for an individual investor. Past performance is not a guarantee of future success and returns in any period may be far above or below those of a previous period. No representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. Investing involves risk and investments at ETFMS may lose value.

The index and third-party investment performance information shown on the Website, if any, uses or includes information compiled from third-party sources, including independent market quotations and index information. ETFMS believes the third-party information comes from reliable sources but does not guarantee its accuracy.

Class Action Waiver. You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

External Links. Posts that appear on this Website or this Website’s blog will link to sources of information, other websites or content belonging to or originating from third parties that are not affiliated with ETFMS. Such content may be linked as a courtesy, or we believe it may be helpful in illustrating a point or otherwise might be of interest to readers. Such content may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the Terms and Conditions applicable to this site. ETFMS assumes no responsibility or liability whatsoever for the accuracy, reliability, or opinions contained in such content. If you decide to access such content, you do so at your own risk. Links from ETFMS’s blog to any other sites, in no way constitutes an endorsement of the opinions or advice contained on those other sites.

ETFMS is not responsible for any third-party sites or content accessed through the Site or any third-party applications, software or content posted on, available through or installed from the Website, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the third-party websites or third-party applications, software, or content. Inclusion of, linking to or permitting the use or installation of any third-party site or any third-party applications, software or content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the third-party sites or to use or install any third-party applications, software, or content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site or relating to any applications you use or install from the Site.

Waiver and Severability. Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term, or provision of these Terms and Conditions. If any provision in these Terms and Conditions is determined to be wholly or partially invalid, illegal, or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Website Terms and Conditions Subject to Change. We reserve the right to change these Terms and Conditions by posting a revised agreement. If you continue to use the Website, you signify your agreement to our revisions to these Terms and Conditions. If you don’t agree with these changes, you must stop using the site(s). The information on the site is subject to change without notice.

Assignment. You may not assign these Terms and Conditions (by operation of law or otherwise) without the prior written consent of ETFMS, and any prohibited assignment will be null and void. ETFMS may assign these Terms and Conditions, in whole or in part, to any person or entity at any time or any rights hereunder with or without your consent.

Proprietary Rights. You acknowledge and agree that the Website contains proprietary information that is protected under U.S. and international intellectual property laws, including the laws of copyright and trademark. Except as expressly authorized by us or our licensors, you agree not to sell, rewrite, modify, redistribute, create derivative works from proprietary Website content in whole or in part.

You may view proprietary content online, download individual pages to your personal or handheld computer for later reading, and even print a copy of pages for yourself. You may not remove any copyright notices from our materials. We reserve all of our other rights not granted in these Terms and Conditions. You agree not to access the Website by any means other than through the interface that is provided by us for use in accessing the Website.

Other product and company names that are mentioned on the Site may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under this Agreement.

Complete Agreement. Except as expressly provided in a particular “legal notice” on the Website, these Terms and Conditions constitutes the entire agreement between you and ETFMS with respect to your use (and prior use) of the Website.