SkyOak Wealth Management aka RAAMPS is a registered investment adviser with the Securities and Exchange Commission.  We have provided this information regarding your account(s) based on sources we believe to be accurate.

This material (or any portion thereof) may not be copied or distributed without SkyOak Wealth Management’s prior written approval.  Statements are current as of the date of the material only.  The information provided in this presentation should not be considered a recommendation to purchase or sell a particular security. Any specific securities identified do not represent all of the securities purchased, sold or recommended for advisory clients, and may be only a small percentage of the entire portfolio and may not remain in the portfolio at the time you receive this report.  You should not assume that investment decisions we make in the future will be profitable or will equal the investment performance of the past.

The standard fee schedules for RAAMPS Portfolios’ strategies are shown in the firm’s Form ADV Part 2.  SkyOak Wealth Management and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with SkyOak Wealth Management of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

The performance shown is for the stated time period only; due to market volatility, each account’s performance may be different.  Returns are shown net of management fees, trading costs, and other direct expenses, but before custody charges, withholding taxes, and other indirect expenses. The returns shown assume the reinvestment of dividends and other income.  Performance results for one year and less are not annualized.  The performance shown is for the stated time period only; due to market volatility, each account’s performance may be different.  Returns are shown net of management fees, but does not account for trading costs and other fees as may be charged by your investment advisor.  The returns shown assume the reinvestment of dividends and other income.  In the case of projected performance and cash flows, it is presented in response to client’s request.

Past results are not necessarily indicative of future performance and are no guarantee that losses will not occur in the future.  Future returns are not guaranteed and a loss of principal may occur.  The standard deviations, information ratios and allocation targets may be higher or lower at any time.  There is no guarantee that these measurements will be achieved.

Results are calculated by Morningstar.  Results based on simulated or hypothetical performance have certain inherent limitations. Unlike the results shown in an actual performance record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.

Please note that this presentation does not comply with all of the disclosure requirements for an ERISA “section 404(c) plan,” as described in the Department of Labor regulations under section 404(c).  Plan sponsors intending to comply with those regulations will need to provide the plan participants with additional information.  The information provided in this presentation does not constitute individual investment advice for a participant or investor, is only informational in nature and should not be used by a participant or investor as a primary basis for making an investment decision.

The performance shown is compared to several indexes shown herein. Broad-based securities indices are unmanaged and are not subject to fees and expenses typically associated with managed accounts or investment funds. The number and types of securities found in the index can differ greatly from that of the accounts held in the strategy shown. Investments cannot be made directly in an index.