"Fee-Only financial planning and investment advisory services are offered through Berno Financial Management Inc., a registered investment advisory firm in the state of Ohio. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of Ohio or where otherwise legally permitted. We are legally empowered to provide investment advisory services to residents of the state of Ohio and certain other states."