Clark, Schaefer, Hackett & Co. is not responsible for misinterpretations, errors, or omissions related to the content of this newsletter. Nor are we responsible for its applicability to your personal, business, or tax situation. The subject matter contained in this newsletter is often complex, with nuances that cannot be fully described in an article or announcement. It is, therefore, vital that you consult with us or your Investment Advisor before implementing ideas contained in the newsletter.