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ISAW Publishing, LLC

Nothing presented herein is, or is intended to constitute, investment advice, nor sales material, and no investment decision should be made based on any information provided herein. Information provided reflects ISAW’s (In Sickness and Wealth) views as of a particular time. Such views are subject to change at any point and ISAW shall not be obligated to provide notice of any change. Any securities information regarding holdings, allocations and other characteristics are presented to illustrate examples of the types of investments or allocations that ISAW may have bought or pursued as of a particular date. It may not be representative of any current or future investments or allocations and nothing should be construed as a recommendation to purchase or sell a particular security or follow any investment strategy or allocation. Any forward looking statements or forecasts are based on assumptions and actual results are expected to vary from any such statements or forecasts. No reliance should be placed on any such statements or forecasts when making any investment decision. While ISAW will make every reasonable effort to obtain information/data from reliable sources, we make no representations or warranties as to the accuracy, reliability or completeness of third party information presented herein. No guarantee of investment performance is being provided and no inference to the contrary should be made. There is a risk of loss from an investment in securities. Past performance is not a guarantee of future performance. Stocks, Exchange Traded funds and mutual funds can lead to loss of capital.

Portfolio Disclosures-Personal Portfolio

The Personal Portfolio represents Jodie Warner and David Lerman’s actual investments in the health care industry. As we contended in our inaugural edition, we commit our own funds to invest because we believe the healthcare sector offers opportunity for profit (although it carries risk of loss of capital as well). While many of the constituents have been held for years, the portfolio may be subject to change at any time depending on market conditions or the business/economic conditions of the underlying companies held. When the editors decide to buy or sell various stocks in the personal portfolio or mention the potential to buy or sell in the future (at lower or higher prices), it is in no way to be interpreted as investment advice. The reader should seek out appropriate investment counsel in order to determine if investments are consistent with the readers risk appetite and financial situation. Investing in the stock market whether it be healthcare or any sector can be profitable, it can also lead to serious and permanent loss of capital.