To the extend that any client or prospective client utilizes any economic calculator or similar device contained within or linked to COORDINATED FINANCIAL SERVICES’ (“CFS”) website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from COORDINATED FINANCIAL SERVICES, or from any other investment professional.