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Although Efficient Frontier is based on information from reliable sources, we do not guarantee its accuracy or completeness. The material on this Web site is not intended to be the primary basis for making investment decisions nor to provide advice meeting the individual investment needs of any investor. There can be no assurance that investments mentioned, in whole or in part, will actually perform as indicated by the risk/return characteristics discussed.

Past performance may not be indicative of future results. Therefore, no one should assume that the future performance of any specific investment, investment strategy or product made reference to directly or indirectly on this Web site (including via a link to any unaffiliated third-party Web sites) will be profitable or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for an individual's investment portfolio. No one should assume that any information presented and/or made available on this Web site serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction fees, custodial charges and/or investment-management fees, which all would have the effect of decreasing historical performance results.

In compliance with securities regulations, Efficient Frontier Advisors LLC will not transact business in any state unless first registered there or unless qualified for an exemption or exclusion from registration there. Further, the firm will not communicate any follow-up, individualized responses which render investment advisory services for compensation, unless first registered or qualified for an exemption or exclusion in the given state.

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Copyright © 2004, William J. Bernstein. All rights reserved.