In conjunction with the services provided by eMoney, Blue Water Advisors LLC ("BWA") may also provide access to account aggregation services, which can incorporate all of the client's investment assets, including those investment assets that are not part of the assets that we manage (the "Excluded Assets"). The client and/or his/her/its other advisors that maintain trading authority, and not BWA, shall be exclusively responsible for the investment performance of the Excluded Assets. In addition, eMoney will also provide access to other types of information, including financial planning concepts, which should not, in any manner whatsoever, be construed as services, advice or recommendations provided by BWA. BWA does not provide investment management, monitoring or implementation services for the Excluded Assets. The client may engage BWA to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Wealth Management Agreement between BWA and the client. 

Monte Carlo Disclosure: The above results and/or projections are based upon historical data, and should not be construed or relied upon as an absolute probability that a different result (positive or negative) cannot or will not occur. To the contrary, different results could occur at any specific point in time or over any specific time period. The purpose of the projections is to provide a guideline to help determine which scenario best meets the client's current and/or current anticipated financial situation and investment objectives, with the understanding that either is subject to change, in which event the client should immediately notify Blue Water Advisors LLC ("BWA") so that the above analysis can be repeated. Please Further Note: Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised or undertaken by BWA), will be profitable for a client's or prospective client's portfolio.