Disclosure Statement

ADV Part 2B

The content of this website is for general information only. The material presented may be derived from resources believed to be reliable, but we cannot guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors and are subject to change. The information contained in this web site should not be construed as investment advice, or recommendation or solicitation to buy or sell particular securities, and is only intended for clients and interested investors residing in states in which the advisor is filed or where an exemption or exclusion from such filing exists. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. Persons considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Investments inherently involve risk including the loss of principal which the client should be prepared to bear. Options in particular involve risk and are not suitable for all investors. Ensure that you understand your risk tolerance prior to investing. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. Past performance does not guarantee future results. There can be no assurances that a portfolio will match or outperform any particular benchmark. Diversification and asset allocation do not ensure profit or protect against loss in a declining market.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph. From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

Joseph Lawrence, an advisor representative of CONCERT Wealth Management, Inc., is founder/president of L&R Investment Management, LLC.

Advisory services are offered through CONCERT Wealth Management, Inc., a registered investment advisor. Securities are provided through Dinosaur Securities, LLC.

Mr. Lawrence is not engaged in the practice of law or accounting. Any tax or legal information provided on this website is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.