Legal Disclaimer

None of the investments, with the exception of the undirected cash held in the Morrill & Janes Bank & Trust NOW account are FDIC insured. No investments are obligations of First Trust Retirement or are guaranteed by First Trust Retirement; and all investments involve risks, including possible loss of principal.

You are urged to seek professional guidance and consider proper diversification and your level of risk tolerance before directing any investment activity. First Trust Retirement does not recommend or evaluate the prudence, merit, viability or suitability of any investment and will not be responsible for the performance of any investment product. First Trust Retirement provides custodial services with respect to your IRA, but does not provide investment advice or information, nor is it the agent or otherwise affiliated with any financial representative, product sponsor or other individual or entity. First Trust Retirement will only be bound by the terms and provisions contained in the First Trust Retirement Custodial Agreement, Disclosure Statements, or other First Trust Retirement documents.