Disclosures and Disclaimers

Click here to access Hutchinson Financial's most recent Form AdV part II in PDF Format.

The Total Asset Portfolio Management Program^TM and The FolioEdge Asset Management Program^TM

As is the case with any asset management program or investment, The Total Asset Portfolio Management Program^TM and The FolioEdge Asset Management Program^TM ("the Hutchinson management programs") should be used only in the context of an overall financial plan designed to meet individual investment objectives. The first step in any sound investment process is to establish individual goals and objectives and develop a plan to achieve them. The Hutchinson management programs are only two of many tools that can be used to meet specific investment objectives. As with any investment product or service, the Hutchinson management programs can make no guarantee that any particular result will be achieved. There are inherent risks when investing in financial markets and you should be familiar with such risks prior to investing. There are inherent limitations and difficulties with respect to using any graph, chart, formula, computer software, or any other device to assist any person in trying to determine which securities to buy or sell, or when to buy and sell them.

Accounts for our Total Asset Portfolio clients are placed with the Institutional Services Division of Charles Schwab and Co. Accounts are insured by the Securities Investors Protection Corporation (SIPC) up to $500,000.00 of total coverage for cash and securities. For details, please see www.sipc.org. Additional coverage is provided to cover larger accounts. Please ask for details.

Accounts for our FolioEdge clients are placed with Foliofn Investments, Inc. Accounts at Foliofn are insured by the Securities Investors Protection Corporation (SIPC) up to $500,000.00 of total coverage for cash and securities. For details, please see www.sipc.org. Additional coverage through Lloyds of London. To learn more about FolioFn, please see www.foliofn.com.