Important Disclosures

American Economic Planning Group, Inc. (“AEPG”) is an SEC registered investment adviser located in Warren, New Jersey. AEPG and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which AEPG maintains clients. AEPG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. AEPG’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of AEPG’s web site on the Internet should not be construed by any consumer and/or prospective client as AEPG’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 AEPG with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusionfrom registration in the state where the prospective client resides. For information pertaining to the registration status of AEPG, please contact the SEC or the state securities regulators for those states in which AEPG maintains a notice filing. A copy of AEPG’s current written disclosure statement discussing AEPG’s business operations, services, and fees is available from AEPG upon written request. AEPG 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 AEPG’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performanceof any specific investment or investment strategy (including those undertaken or recommended by AEPG), will be profitable or equal any historical performance level(s).

Certain portions of AEPG’s web site (i.e. newsletters, articles,commentaries, etc.) may contain a discussion of, and/or provide access to, AEPG’s (and those of other investment and non-investment professionals) 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 AEPG, or from any other investment professional. AEPG is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accountingor tax advice. Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if AEPG is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of AEPG by any of its clients.

Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Each client and prospective client agrees, as a condition precedentto his/her/its access to AEPG’s web site, to release and hold harmless AEPG, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receiptof personalized individual advice from AEPG.