DISCLOSURES

There are no warranties implied. Cozad Asset Management, Inc. (“RIA Firm”) is a registered investment adviser located in Champaign, Illinois. Cozad Asset Management, Inc. may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Cozad Asset Management, Inc.’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Cozad Asset Management, Inc.’s web site on the Internet should not be construed by any consumer and/or prospective client as Cozad Asset Management, Inc.’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Cozad Management, Inc. with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Cozad Asset Management, Inc., please contact the state securities regulators for those states in which Cozad Asset Management, Inc. maintains a registration filing. A copy of Cozad Asset Management, Inc.’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Cozad Asset Management, Inc. upon written request. Cozad Asset Management, Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Cozad Asset Management, Inc.’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice. Past performance is not indicative of future performance.

Cozad has investment adviser representatives (IARs) who are also CPAs licensed and or accredited under the laws of the state of Illinois to provide certain accountancy services (Professional Services) for a fee (Service Fee). Cozad provides Professional Services solely through Managed Tax Services, LLC in their individual capacities.

In some cases, Cozad IARs may provide services to the same client in both their capacities as IARs and CPAs (Multiple Services). In such cases, please note the following:

• Cozad IARs do not provide any Professional Services in their capacities as IARs of Cozad.
• Cozad IARs do not provide any investment products and services in their capacities as CPAs.
• Cozad IARs do not provide any Professional Services in exchange for fees or commissions related to investment products or services.
• Cozad IARs do not provide any investment products or services in exchange for Professional Services or Service Fees.

Insurance products and services are offered and sold through The Downey Group, Inc. and individually licensed and appointed insurance agents.

Cozad is not affiliated with The Downey Group, Inc.