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Water Valley Investment Advisors, Inc. has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts. These materials have been independently produced by Water Valley Investment Advisors, Inc.

Water Valley Investment Advisors, Inc. is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them.

Water Valley Investment Advisors, Inc. provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.