Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance will be profitable, will equal the performance results reflected, or will equal any corresponding historical benchmark index. The historical index performance results for all historical benchmark indices do not reflect the deduction of transaction and custodial charges, or the deduction of an investment manager fee, the incurrence of which would have the effect of decreasing indicated historical performance results. The historical performance results for all indices are provided exclusively for comparison purposes only, so as to provide general comparative information to assist an individual client or prospective client in determining whether Riverbridge Partners performance meets, or continues to meet, his/her investment objective(s). Comparative indices may be more or less volatile than Riverbridge portfolios. Riverbridge performance results reflect the reinvestment of dividends and other account earnings, and are net of applicable account transaction charges. It should not be assumed that Riverbridge Partners account holdings will correspond directly to any such comparative benchmark index. The Riverbridge Partners performance results do not reflect the impact of taxes. Certain portions of the content may contain a discussion of portfolio weightings and holdings as of a specific prior date. Due to various factors, including changing market conditions, such content may no longer be reflective of current weightings and/or holdings. Moreover, no client or prospective client should assume that any such content serves as the receipt of, or a substitute for, personalized advice from Riverbridge Partners, or that any such weightings or holdings are applicable or appropriate for a specific individual’s financial situation.
For reasons including variances in the investment management fee, differing client investment objectives and/or risk tolerance, market fluctuation, the date on which a client engaged Riverbridge Partners’ investment management services, and any account contributions or withdrawals, the performance of a specific client’s account may have varied substantially from the indicated portfolio performance results.
Gross-of-fee performance figures presented do not reflect the deduction of investment advisory fees. A client’s returns will be reduced by the advisory fee and other expenses incurred in the management of its account. For example, the deduction of a 1% advisory fee over a 10-year period would reduce a 10% gross return to an 8.9% net return.
In the event that there has been a change in a client’s investment objectives or financial situation, he/she/it is encouraged to advise Riverbridge Partners immediately. Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including the investments purchased and/or investment strategies devised or undertaken by Riverbridge Partners) will be profitable.
Services will be provided by Riverbridge Partners to the extent they are appropriate, with the client having the sole authority with regard to the implementation of any recommendation or advice in matters such as, but not limited to, estate planning, retirement planning, taxes, and insurance.
Information pertaining to Riverbridge Partners’ advisory operations, services, and fees is set forth in Riverbridge Partners’ current disclosure statement, a copy of which is available from Riverbridge Partners upon request. To request a copy of our Form ADV Part 2, please email Compliance@riverbridge.com. Form ADV is also available at www.adviserinfo.sec.gov.
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