Loring Ward (LWI Financial Inc.) is committed to creating a better wealth experience for Financial Advisors and their clients across the U.S. Since 1990, we have strived to do this by empowering Advisors with Investment and Advisor Solutions that increase the probability of delivering a great experience for their clients. We have one of the largest networks of independent Advisors in the United States and are located in Silicon Valley, California. Loring WardÍs Asset Class Investing philosophy is based on almost nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics „ including our Investment Committee members, Dr. Meir Statman and Nobel Laureate Dr. Harry S. Markowitz. Social media disclosures: http://www.loringward.com/socialmedia.pdf LWI Financial Inc. (ñLoring Wardî) is an investment adviser registered with the Securities and Exchange Commission. Securities transactions are offered through its affiliate, Loring Ward Securities Inc., member FINRA/SIPC.