Customized Portfolio Program About the Program As of February, 2016, our Customized Portfolio Program in which you can select your investments has been merged into the Comprehensive Program. Please see that program description on this website for the details. Clients who previously signed onto the Customized Program are continuing to be fully served in that legacy program. Please talk to your Investment Consultant if you have any questions. Past performance is no guarantee of future results and current performance may be lower or higher than the performance data quoted. All investments involve different degrees of risk. Clients should be aware of their risk tolerance level and financial situation at all times. Clients should read all transaction confirmations, and monthly and yearly statements sent to them. In applicable programs, clients should read all prospectuses carefully before making any investment decisions. Clients are free at all times to accept or reject any investment recommendations made by Bagby Wealth Management. Please understand that any losses are attributed to market forces beyond the control of Bagby Wealth Management.