DISCLOSURE.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Martin Philip Mesecke, Principal of Self Worth Financial Planning, and his editorial staff. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. Links to other sites endorsing a stock should not be construed to be a recommendation of that stock by Self Worth Financial Planning. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Self Worth Financial Planning (SWFP) does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained on this site and SWFP expressly disclaims all liability for errors and omissions in these materials and for the use or interpretation by others of information contained on the site. SWFP may change information contained herein at any time and makes no commitment to update the information contained on the site. Decisions based on information contained on this site are the sole responsibility of the visitor, and in exchange for using SWFP site, the visitor agrees to hold SWFP harmless against any claims for damages arising from any decisions that the visitor makes based on such information. Nothing contained in SWFP site constitutes investment advice.

Fee-Only financial planning and investment advisory services are offered by Martin Philip Mesecke, dba Self Worth Financial Planning, a registered investment advisor in the State of Texas. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of Texas. Self Worth Financial Planning is legally empowered to provide investment advisory services only to residents of Texas or where otherwise legally permitted.

COPYRIGHT NOTICE.

Though SWFP provides the information on this server to anyone, we retain copyright on all text and graphic images. This means that unless you are authorized by SWFP you MAY NOT: distribute the text or graphics to others without our express written permission, include this information on your own server or documents without our permission, modify or re-use the text or graphics on this system. You MAY: print copies of the information for your own personal use; store the files on your own computer for your personal use only; reference hypertext documents on this server from your own documents. SWFP reserves all other rights. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Text, articles and SWFP Logos: © 2003 Self Worth Financial Planning, Martin Mesecke, Principal. GPN text and logos: © 2000 Garrett Planning Network, Inc., Sheryl Garrett, Principal. "Building Brighter Financial Future" and "Hourly, As-Needed Financial Planning and Advice for Everyday Life... The New Choice for Smart Consumers"TM.

ELECTRONIC MAIL SUBMISSIONS.

Electronic Mail (e-mail) submitted to this Web site should be considered neither secure nor confidential, since messages submitted to this site travel through the Internet, which is not a secure medium. SWFP makes no representation whatsoever concerning the security or confidentiality of your e-mail messages and specifically makes no representation that any e-mail message submitted through this Web site will be received by SWFP.

HYPERLINKS.

Some of the sites listed as links herein are not under the control of SWFP. Thus, SWFP makes no representations whatsoever concerning the content of those sites. The fact that SWFP has provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by SWFP with respect to such site, its owners, or its providers. SWFP is providing these links only as a convenience to you. SWFP has not tested any information, software, or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, or products found on the Internet, and SWFP cautions you to make sure you understand these risks before retrieving, using, or purchasing anything via the Internet.

JURISDICTION.

Except as described otherwise, all materials in this site are made available only to provide information about Self Worth Financial Planning. SWFP controls and operates this site from Plano, Texas, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws. This is the entire agreement between the parties relating to the use of this site. SWFP can revise these Terms and Conditions at any time by updating this posting. SWFP Financial Planning site may describe products and services that are not available worldwide. SWFP makes no offers of products or services outside the United States of America.

SWFP Financial Planning reserves the right to withdraw access to the site and revise the materials, information, software and the services and products described in this Web site, at any time without notifying the user.

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