Travis Christopher Babb

Travis Babb is an owner and insurance producer with Babb Financial Group, LLC, and from time to time, will offer clients advice or products in this role as a licensed insurance agent. The start date was 01/2008, and he spends 48 hours per month on it and 24 hours per month during securities trading hours. Clients should be aware that these services pay a commission or other compensation and involve a conflict of interest, as commissionable products conflict with the fiduciary duties of a registered investment adviser. Fees are not charged on assets held in insurance vehicles, and the value of the assets is not included in assets under management for fee calculation purposes. Clients are in no way required to utilize the services of any representative of BWA in connection with such individual's activities outside of BWA. In addition to commissions, insurance companies and field marketing affiliates may provide additional incentives such as conventions, conferences, or trips, marketing support, and other monetary benefits. Earned incentive trips, conventions, or conferences will not be permitted unless they are educational in manner.