Arbor Trust Wealth Advisors (“Arbor Trust Wealth Advisors”) is an SEC-registered investment adviser with offices in Canton, Michigan. Arbor Trust Wealth Advisors and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC-registered investment advisers by those states in which Arbor Trust Wealth Advisors maintains clients. Arbor Trust Wealth Advisors may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. The Arbor Trust Wealth Advisors website 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 the Arbor Trust Wealth Advisors website on the Internet should not be construed by any consumer and/or prospective client as Arbor Trust Wealth Advisors’ 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 Arbor Trust Wealth Advisors 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. For information pertaining to the registration status of Arbor Trust Wealth Advisors, please contact the SEC on their website at www.adviserinfo.sec.gov or, the state securities regulators for those states in which Arbor Trust Wealth Advisors maintains a notice filing. A copy of Arbor Trust Wealth Advisors’ current written disclosure brochure discussing Arbor Trust Wealth Advisors’ business operations, services and fees is available from Arbor Trust Wealth Advisors upon written request. Arbor Trust Wealth Advisors 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 the Arbor Trust Wealth Advisors website or incorporated herein, and takes no responsibility therefore. 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 performance of any specific investment or investment strategy (including those undertaken or recommended by Arbor Trust Wealth Advisors), will be profitable or equal any historical performance level(s).

Certain portions of the Arbor Trust Wealth Advisors website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Arbor Trust Wealth Advisors’ (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 Arbor Trust Wealth Advisors or from any other investment professional. Arbor Trust Wealth Advisors is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice.

Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading, and support services of Schwab. Independent investment advisors are not owned by, affiliated with, or supervised by Schwab.

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 Arbor Trust Wealth Advisors is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Arbor Trust Wealth Advisors 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 advisor.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to the Arbor Trust Wealth Advisors website, the client and/or prospective client acknowledges and understands 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 Arbor Trust Wealth Advisors, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to the Arbor Trust Wealth Advisors website, to release and hold harmless Arbor Trust Wealth Advisors, 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 receipt of personalized individual advice from Arbor Trust Wealth Advisors.