Retirement Renovation Radio Show Disclosures:
‍The Retirement Renovation radio show is presented by Fiat Wealth Management, LLC, a registered investment adviser that only conducts business in jurisdictions where it is properly registered,or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a
specific level of skill or ability. Bill Celler and other guests on the Retirement Renovation radio show are not affiliated with Fiat Wealth Management, LLC.
The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. Discussions should not be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell the investments mentioned. A professional adviser should be consulted
before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or
profitable for a client's portfolio. All investment strategies can result in profit or loss. All expressions of opinion reflect the judgment of the host/interviewee on the date of the program
and are subject to change.
Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain period after investing, the
insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation
for these transactions. Products are subject to fees and additional expenses. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed
insurance products. They do not refer in any way to securities or investment advisory products.

Social Security rules and regulations are subject to change at any time. Always consult with your local Social Security office before acting upon any information provided herein.
References to specific investments should not be construed as being past specific recommendations of Fiat Wealth Management, LLC. The returns for various indices discussed in
this show do not represent the performance of the firm or any of its advisory clients. Returns do not reflect the impact that advisory fees will have on an investment. Past performance may not beindicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio.
Historical performance returns for investment indexes and/or categories usually do not deduct transaction and/or custodial charges or advisory fees, which would decrease historical
performance results. There are no guarantees that a portfolio will match or outperform a specific benchmark.
Investments in fixed income products are subject to liquidity risk, market risk, interest rate risk, credit risk, inflation risk, purchasing power risk, and taxation risk. Because bond prices fluctuate
continually, their yields change constantly.
Dollar cost averaging and diversification strategies do not assure a profit or protect against losses in declining markets.
Alternative Investments are not suitable for all investors and present a higher level of risk than traditional investments. Fiat Wealth Management, LLC is not engaged in the practice of law or accounting. You should always consult an attorney or tax professional regarding your specific legal or tax situation.