CONSUMER DISCLOSURE

Sparrow Wealth Management (“SWM”) is a Registered Investment Advisor in Nevada and Pennsylvania. SWM and its representatives are in compliance with the current registration filing requirements imposed upon federally covered registered investment advisers. SWM may only transact business in those states in which it is noticed filed, or qualifies for an exemption or exclusion from notice filing requirements. Currently, SWM is not notice filed in other states because SWM qualifies for an exemption in those states. SWM may service clients in those states so long as the addition of such a client does not require notice filing obligations. In the event that a client from a state other than Pennsylvania or Nevada wishes to utilize the services of SWM, SWM will confirm the applicability of the exemption or file notice in the client’s home state.

SWM’s web site is limited to the dissemination of general information pertaining to its financial planning and investment management services.  Accordingly, the publication of SWM’s web site on the Internet should not be construed by any consumer and/or prospective client as SWM’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by SWM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of SWM, please contact the state securities law administrators for those states in which SWM maintains a registration filing.  A copy of SWM’s current written disclosure statement (ADV Part II) discussing SWM’s business operations, services, and fees is available on the Regulatory Compliance page of SWM’s web site.

SWM 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 SWM’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof 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 by SWM) or product made reference to directly or indirectly by SWM 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.  Historical performance results for investment indices generally do not reflect the deduction of brokerage commissions, investment management and/or transaction fees, the payment of which would have the effect of decreasing the indicated performance results.

Certain portions of SWM’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of its (and those of other investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as a substitute for personalized advice from SWM or from any other investment professional.  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment, investment strategy or product will be either suitable or profitable for a client’s investment portfolio.

To the extent that any client or prospective client utilizes any economic calculator or similar device provided by any unaffiliated third party linked to SWM’s web site, the client and/or prospective client is advised that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from SWM, or from any other investment professional.