Past performance may not be indicative of future results. Therefore, it should not be assumed that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Stearns Financial Group (SFG)), or any non-investment related content, made reference to directly or indirectly in this web site will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this web site serves as the receipt of, or as a substitute for, personalized investment advice from SFG. Descriptions of SFG’s process and strategies are based on general practice and we may make exceptions in specific cases. A copy of SFG’s current written disclosure document discussing our advisory services and fees is available upon request.