Disclosure Information

Hewins Financial Advisors, LLC ( “Hewins”) is an investment adviser registered with the Securities and Exchange Commission (“SEC”) under the Investment Advisers Act of 1940 with its principal place of business in San Mateo, California. Hewins and its representatives are in compliance with the current filing requirements imposed upon investment advisers by those states in which Hewins maintains clients, and Hewins may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration under applicable state requirements. Hewins’ website is limited to the dissemination of general information pertaining to its investment advisory services and should not be construed as a solicitation to effect any transaction in any security or as a solicitation for the provision of investment advice for compensation over the internet. Any subsequent direct communication by Hewins to 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.

Certain portions of Hewins website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Hewins’ (and those of other investment and non-investment professionals) opinions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, industry trends and others, such discussion may no longer be reflective of current opinions and/or recommendation(s). The information contained in any third-party resource cited on Hewins’ website, including but not limited to other blogs, websites or articles, is not owned or controlled by Hewins, and Hewins does not guarantee the accuracy or reliability of any information that may be found in such resources. Links and references to any third-party resource are provided as a courtesy for reference only and are not intended to be, and do not act as, an endorsement by Hewins of the third party, the third party’s content or the use of such third party or content. No client or prospective client should assume that any discussion, article or other information on Hewins’ website, whether from Hewins or from any third party, serves as or should be used as a substitute for, personalized financial, investment, or other professional advice from Hewins or from any other investment professional.

Past performance is not 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 and/or purchased by Hewins) or product made reference to directly or indirectly by Hewins in its website, or indirectly via a link to an unaffiliated third-party website, will be profitable or equal any 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 and/or categories generally do not reflect the deduction of transaction and/or custodial charges or investment management fees, the incurrence of which would have the effect of decreasing performance results. The volatility of an index may be materially different from that of a portfolio. It is not possible to invest directly in an index.

If you have questions regarding your financial situation you should consult your financial planner, investment advisor, attorney or other professional. Hewins is a proud affiliate of Wipfli LLP. A copy of Hewins’ current ADV Part 2A discussing Hewins’ services and fees is available for review upon request or at www.adviserinfo.sec.gov.

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