Important Notice

You are now leaving the Heffernan Financial Services and Heffernan Investment Advisors Web site and will be entering the Charles Schwab & Co. , Inc. ("Schwab") Web site.

Schwab is a registered broker-dealer, and is not affiliated with any advisor whose names appear on this Web site. Heffernan Investment Advisors is independently owned and operated. Schwab neither endorses nor recommends any particular advisor or investment strategy. Heffernan Investment Advisors provides investment advisory services for your account. Schwab has agreements with Heffernan Investment Advisors, under which Schwab provides Heffernan Investment Advisors with services related to your account. Schwab does not review the Heffernan Investment Advisors’ Web site, and makes no representation regarding the content of the Web site. The information contained in the Heffernan Investment Advisors’ Web site should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.