Lowe & Associates Financial Services, Ltd. (“Lowe fs”) is an SEC registered investment adviser with its principal place of business in the State of Maryland.  Lowe fs and its representatives are in compliance with the current notice filing and registration requirements imposed upon registered investment advisers by those states in which Lowe fs maintain clients.  Lowe fs may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  For information pertaining to the registration status of Lowe fs, please contact Lowe fs, or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).

Lowe fs’ website is limited to the dissemination of general information pertaining to its investment advisory services.  Follow-up, and individualized responses to persons in a state by such a firm or individual that involve the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of an investment adviser, or IA rep, a consumer should contact his or her state securities law administrator.

Material discussed is meant for general illustration and informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon only when coordinated with individual professional advice. Lowe fs is the DBA for Lowe & Associates Financial Services, Ltd., a Maryland Corporation.