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This site is solely for the use of Clients and prospective Clients of Investment Costs Matter LLC d/b/a Coleman Investment Counsel ("ICM").  This site is not to be used for any other purpose. No Client or prospective Client should assume that this site serves as a substitute for ICM's Client-specific tailored advice, suggestions, or recommendations.  No portion of this site should be interpreted as legal, accounting, or tax advice.  Current and prospective Clients should consult with an attorney or tax professional about specific legal or tax circumstances.

No express or implied warranties exist about the accuracy or completeness of any information posted on any site to which this site is linked or in the future may be linked. External internet addresses contain information created, published, maintained, or otherwise posted by organizations or individuals independent of ICM; ICM does not endorse, approve, certify, or control those external internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, privacy policies, or proper sequencing of information located at those addresses.  Mentions at those addresses of specific exchange-traded funds, specific securities, specific indices, or other investments are examples only and are not ICM recommendations or endorsements.  Use of any information obtained from those addresses is voluntary, and reliance on it should be undertaken only after an independent review for accuracy, completeness, efficacy, and timeliness.

When leaving this ICM site, the site to which a reader is being transferred is not part of the ICM site and the presence of any link on the ICM site does not mean that ICM accepts any responsibility for the content or use of that other site; all such responsibility is disclaimed. ICM does not guarantee or assume responsibility for the accuracy or completeness of any information or data displayed through any other site, nor shall ICM have any responsibility or liability to the reader or any other person or entity for any inaccuracies, errors in or omission of any information or data therein, or for any actions taken in reliance thereon on or for any damages arising therefrom or occasioned thereby. ICM disclaims any duty, responsibility, or obligation to review or correct any of the contents of any such site. If a reader chooses to use any of the transferring links then the reader assumes full responsibility for the reader's use of the site to which the reader is linking.