INCOME STRATEGY The goal of the Income strategy is to provide its participants with income for whatever period of time the client desires. Investments in this strategy are not chosen for an ability to increase in value over a period of time. Rather, they are chosen for their ability to provide interest or dividend payments to the client, while hopefully minimizing downside risk. Performance in this strategy (after taking into account the fact that any investment returns are likely paid out to the client and not re-invested) is designed to be relatively flat. However, no security, no matter what its characteristics, is immune from downside risk. There is always the potential that even the securities purchased for this strategy will succumb to overall market negativity or other contagion from world events that will lessen the strategy's ability to meet its objective.The asset allocation strategy in which the client's assets are placed may change from time to time, dependent upon the client's investment objectives and financial circumstances. Clients should inform Heritage Wealth Management as soon as possible of changes in their circumstances that may affect the client's risk tolerance or investment objectives, as these changes may trigger a change in how the firm manages the client's assets.There are no limits to the types of securities that may be placed in a strategy, or that Heritage Wealth Management may evaluate for a client or for inclusion in a strategy. However, investment types most typically include stocks, bonds, exchange traded funds (ETFs), mutual funds, options, and money market accounts. Heritage Wealth Management Disclosures 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.