Disclosure Statement

Please read the following statement:

INDEPENDENT RETIREMENT ADVISERS LLC (“IRA”) IS A STATE REGISTERED INVESTMENT ADVISER LOCATED IN SHAMONG, NEW JERSEY. IRA AND ITS ADVISORY REPRESENTATIVES ARE IN COMPLIANCE WITH CURRENT FILING REQUIREMENTS IMPOSED UPON STATE REGISTERED INVESTMENT ADVISERS BY THOSE STATES IN WHICH IRA MAINTAINS CLIENTS.

IRA MAY ONLY TRANSACT BUSINESS IN THOSE STATES IN WHICH IT IS REGISTERED, OR QUALIFIES FOR AN EXEMPTION OR EXCLUSION FROM REGISTRATION REQUIREMENTS. ANY SUBSEQUENT DIRECT COMMUNICATION BY IRA 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 IRA, PLEASE CONTACT THE STATE SECURITIES LAW ADMINISTRATORS FOR THOSE STATES IN WHICH IRA MAINTAINS A NOTICE FILING. A COPY OF IRA’S CURRENT WRITTEN DISCLOSURE BROCHURE (FORM ADV PART II) DISCUSSING IRA’S BUSINESS OPERATIONS, SERVICES AND FEES IS AVAILABLE FROM IRA UPON WRITTEN REQUEST.

PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. THEREFORE, NO CURRENT OR PROSPECTIVE CLIENT SHOULD ASSUME THAT FUTURE PERFORMANCE OF ANY SPECIFIC INVESTMENT STRATEGY (INCLUDING THE INVESTMENTS AND/OR INVESTMENT STRATEGIES RECOMMENDED OR UNDERTAKEN BY IRA) MADE REFERENCE TO DIRECTLY OR INDIRECTLY BY IRA ON ITS WEBSITE, OR INDIRECTLY VIA A LINK TO AN UNAFFILIATED THIRD PARTY WEBSITE, WILL BE PROFITABLE OR EQUAL THE 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 A CLIENT OR PROSPECTIVE CLIENT’S INVESTMENT PORTFOLIO. HISTORICAL PERFORMANCE RESULTS FOR INVESTMENT INDICES AND/OR PORTFOLIO BENCHMARKS GENERALLY DO NOT REFLECT THE DEDUCTION OF TRANSACTION AND/OR CUSTODIAL CHARGES, THE DEDUCTION OF AN ADVISORY MANAGEMENT FEE, NOR THE IMPACT OF TAXES, THE INCURRENCE OF WHICH WOULD HAVE THE EFFECT OF DECREASING HISTORICAL PERFORMANCE RESULTS.

We are required to provide a Disclosure Brochure (Form ADV Part II) to you before a securities investment advisory account may be opened for you.