HERITAGE WEALTH MANAGEMENT, INC. WEBSITE "LEGAL DISCLOSURE"

Heritage Wealth Management, Inc. ("Heritage Wealth Management”) is an investment group located in Massachusetts. Heritage Wealth Management and its representatives are in compliance with the current registration requirements of those states in which Heritage Wealth Management maintains clients. Heritage Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Heritage Wealth Management's website is limited to the dissemination of general information pertaining to its investment advisory services. Accordingly, the publication of the Heritage Wealth Management website on the internet should not be construed by any consumer and/or prospective client as Heritage Wealth Management'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 Heritage Wealth Management 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. A copy of Heritage Wealth Management's current written disclosure statement discussing Heritage Wealth Management's business operations, services, and fees is available from Heritage Wealth Management upon request. Heritage Wealth Management 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 Heritage Wealth Management's website or incorporated herein, and takes no responsibility thereof. 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 Heritage Wealth Management) or product made reference to directly or indirectly by Heritage Wealth Management in its website, or indirectly via a link to an unaffiliated third party website, 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. Historical performance results for investment indices 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.

The strategies presented are not necessarily appropriate for any particular client or investor. Accordingly, any reader of the descriptions herein should not interpret the attached as investment advice. The descriptions discuss implied volatility and risk approximations of each strategy.  These are intended to be used for informational purposes only, as there is no guarantee that an investment using the strategy described will perform exactly as described for any given time period.  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. 

All investments bear a risk of loss, including the loss of principal, that the investor should be prepared to bear. 

Past performance may not be indicative of future results. No current or prospective client should assume that the future performance of any specific investment, investment strategy (including investments and/or investment strategies recommended by the adviser), will be equal to past performance levels.                 

Certain portions of Heritage Wealth Management's website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Heritage Wealth Management'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 recommendations(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 Heritage Wealth Management, or from any other investment professional. Heritage Wealth Management is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice. Correspondingly, each client and prospective client agrees, as a condition precedent to his/her/its access to Heritage Wealth Management's website, to release and hold harmless Heritage Wealth Management, its officers, directors, 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 receipt of personalized individual advice from Heritage Wealth Management.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Heritage Wealth Management's website, the client and/or prospective client is advised that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Heritage Wealth Management, or from any other investment professional.