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DISCLOSURE

WARRANTIES & DISCLAIMERS

There are no warranties implied.

Kestrel Wealth Management, LLC (“Kestrel Wealth Management”) is a registered investment adviser located in South Bend, Indiana. Kestrel Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Kestrel Wealth Managementʼs web site 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 Kestrel Wealth Managementʼs web site on the Internet should not be construed by any consumer and/or prospective client as Kestrel Wealth Managementʼs 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 Kestrel Wealth Management 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 Kestrel Wealth Management, please contact the state securities regulators for those states in which Kestrel Wealth Management maintains a registration filing. A copy of Kestrel Wealth Managementʼs current written disclosure statement discussing Kestrel Wealth Managementʼs business operations, services, and fees is available at the SECʼs investment adviser public information website– www.adviserinfo.sec.gov or from Kestrel Wealth Management upon written request. Kestrel Wealth Management 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 Kestrel Wealth Managementʼs web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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