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DISCLOSURE: Pension Maxima Investment Advisory, Inc. is an investment adviser that is registered with the States of New York and California and has made notice filings in those states where required to do so. Pension Maxima Investment Advisory, Inc. does not offer its services to residents of any jurisdiction in which Pension Maxima Investment Advisory Inc. is not currently registered and/or is not a notice filer, unless exempt. The information provided is intended for use by citizens and residents of the United States only. It is not directed to any person residing in, any citizen of, or any form of organization operating under the authority of any country or jurisdiction in which Pension Maxima Investment Advisory, Inc. is not registered as an investment adviser, unless exempt.

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