Disclosure

Spurstone Advisory Services, LLC, d/b/a Spurstone is an SEC registered investment adviser. Spurstone may only transact business
in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Spurstone
website is limited to the dissemination of general information pertaining to its advisory services, together with access to
additional investment-related information, publications, and third-party links. Accordingly, the publication of Spurstone’s
website on the Internet should not be construed by any consumer and/or prospective client as Spurstone’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 Spurstone 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 Spurstone, please contact the state securities regulators for
those states in which Spurstone maintains a registration filing. A copy of Spurstone’s current written disclosure statement
discussing Spurstone’s business operations, services, and fees is available at the SEC’s investment adviser public information
website – www.adviserinfo.sec.gov or from Spurstone upon written request.

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
Company), will be profitable or equal any historical performance level(s).

This website and information are provided for guidance and information purposes only. Investments involve risk and unless
otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before
implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.
Insurance products and services are offered and sold through Spurstone Wealth Management, LLC, and individually licensed and
appointed insurance agents.

Blogs: The opinions expressed herein are those of the firm and are subject to change without notice. The opinions referenced
are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not
necessarily come to pass. Any opinions, projections, or forward-thinking statements expressed herein are solely those of the
author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational
purposes as of the date indicated.

Third Party Links and Publications: Throughout this website we have provided links to various other websites. While Spurstone
believes this information to be current and valuable to its clients and is reasonably reliable and does not contain untrue
statements of material facts, or misleading information, Spurstone provides these links on a strictly informational basis only and
cannot be held liable for the accuracy, time sensitive nature, or viability of any information shown on these sites. Some content
may be dated. All such information is provided solely for convenience purposes only and all users thereof should be guided
accordingly.

Brochure ADV Part 2

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.