Important Consumer Disclosure


Asset & Retirement Investment Associates, LLC, (“GSB Wealth Management”) is an SEC registered investment advisor located in Guilford, Connecticut.  GSB Wealth Management’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of GSB Wealth Management’s website on the Internet should not be construed by any consumer and/or prospective client as GSB Wealth Management’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  A copy of GSB Wealth Management’s written disclosure statement discussing GSB Wealth Management’s business operations, services, and fees is available from GSB Wealth Management upon request.  GSB Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to GSB Wealth Management’s web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by GSB Wealth Management) or product made reference to directly or indirectly by GSB Wealth Management in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio.

Quarterly newsletters may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as believe, anticipate, may, should, and expect).  Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct.  Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.  Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.  Quarterly newsletters are intended to provide general information only and should not be construed as an offer of specifically tailored individual advice. While GSB Wealth Management believes the outside data sources cited to be credible, it has not independently verified the correctness of any of their inputs or calculations and therefore, does not warranty the accuracy of any third-party sources or information.

GSB Wealth Management is a separate subsidiary of The Guilford Savings Bank.  GSB Wealth Management is a registered investment advisor and makes investment recommendations that involve products that are not bank deposits, are not guaranteed by the bank, not FDIC insured and involve investment risks, including the possible loss of principal.