Annual Disclosure Brochure Update

September 26, 2017

Dear Client:

We are writing to you in regards to a number of administrative matters that, as a registered investment adviser, we are required to contact you about on an annual basis.  To minimize our intrusion we have combined several of these matters into this Annual Notice.

Enclosed with this letter please find a copy of our most recent disclosure brochure as set forth on Form ADV Part 2.  Furthermore, additional information about our firm is available on Part 1 of Form ADV which is available at www.adviserinfo.sec.gov.  If you are unable to access this site or would like us to send a copy, please contact us for a printed copy.

We strive to meet with all of our ongoing investment advisory clients at least once a year to review our previous services and recommendations and to discuss the impact of any changes in your financial situation or investment objectives.  If you would like to meet with us, please contact us to schedule a mutually convenient meeting.  Regardless, you should always contact us immediately if there are any changes in your financial situation or investment objectives or if you wish to add or modify any reasonable restrictions to the management of your account.

As always, should you have any questions or require any additional information regarding this Annual Notice, please do not hesitate to contact us.

David W. Demming CFP®
David W. Demming Jr. CFP®
Karen Bordonaro CFP®
Patrick Justice CFP®
Kevin Coholan CFP®