Important Disclosure Information from Bagby Wealth Management IMPORTANT DISCLOSUREBagby Wealth Management. (“BWM”) is a Missouri registered investment advisor* (RIA) located in Dexter, Missouri. BWM and its representatives are in compliance with the current filing requirements imposed by Missouri upon registered investment advisors. It is also in compliance with the filing requirements of other states in which BWM maintains clients. Please note, registration with the State of Missouri, Kansas or any other state does not imply a certain level of training or skill. BWM may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.For information pertaining to the registration status of BWM, please contact the state of Missouri or the SEC or the state securities regulators for those states in which BWM maintains a notice filing. A copy of BWM’s current written disclosure statement, ADV Part 2, the “brochure,” discussing BWM’s business operations, services and fees is available from BWM upon request.OUR AFFILIATED BROKER DEALER: BAGBY FINANCIAL SERVICESWe are pleased to announce that as of September 14, 2015 we have added a securities brokerage firm to the Bagby family of companies. Our sister and affiliate company Bagby Financial Services Inc. has served as an insurance agency for years as part of our team. On September 14, 2015, Bagby Financial Services, Inc dba Bagby Financial Services added to its professional activities membership in the Financial Industry Regulatory Authority, commonly known as FINRA. This is a self-regulatory organization and membership is required before a firm can service customers as a broker dealer. We are excited about this expansion of our services.Bagby Financial Services will offer mutual funds and variable annuities to its clients on a commission basis. As with the rare occurrence when a Bagby Wealth Management client might purchase a life insurance policy or fixed annuity with our sister company Bagby Financial Services, now the additional options include purchasing a mutual fund or variable annuity on a commission basis. However when it occurs any conflict of interest will be discussed in order to provide full transparency and discussion of all options with our clients, including making the purchase with another company or agent.INFORMATION PROVIDED ON OUR WEBSITEBWM’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.Accordingly, the publication of BWM’s web site on the Internet should not be construed by any consumer and/or prospective client as BWM’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 BWM 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.BWM 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 BWM web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.Certain portions of BWM’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, BWM (and those of other investment and non-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 the receipt of, or a substitute for, personalized advice from BWM, or from any other investment professional. BWM is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. See Professional Coordination/Referrals page of this website.To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to BWM’s web site, the client and/or prospective client acknowledges and understands 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 BWM, or from any other investment professional.INVESTMENTS/PERFORMANCEPlease remember that 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.RANKINGS/AWARDS/RECOGNITIONRankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if BWM is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of BWM by any of its clients.Each client and prospective client agrees, as a condition precedent to his/her/its access to BWM's web site, to release and hold harmless BWM, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from BWM.