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Opinions expressed herein may differ from the opinions expressed by other businesses or affiliates of Crossroads Capital Management, Inc. (CCM), and are not intended to be a forecast of future events, a guarantee of future results or market patterns, and are subject to change based on market and other conditions. This website and any attachments are meant merely to present information and discussion on topics of interest. The information contained herein is not intended to be a comprehensive discussion of the strategies or concepts mentioned. Nor is any information or data discussed intended as tax, investment, or legal advice. In pursuing any concept or idea presented, you should rely on your own due diligence and on your own attorneys, accountants and other professionals to determine if such ideas or concepts are appropriate for you.

Although information herein has been obtained from sources believed to be reliable, CCM and its affiliates do not guarantee its accuracy or completeness and accept no liability for any direct or consequential losses arising from its use. CCM assumes no responsibility for any errors, omission, or damages arising from use of information contained herein.

Some of the sites listed as links herein will let you leave our site and are not under our control. Access to any other Internet site linked to CCM’s web sites is at the user's own risk and CCM is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these linked sites. We do not make any representations whatsoever concerning the content of those sites. The fact that we have provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers; we are providing these links only as a convenience to you. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and we caution you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet.