Regulatory Information.

SilverOak Investments, LLC ("SilverOak") is a state-registered investment adviser with one or more states. Please see https://adviserinfo.sec.gov for information about which states SilverOak is registered in; however, such registration does not imply a certain level of skill or training. SilverOak may only transact business or render personalized investment advice in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in states or international jurisdictions where SilverOak is not registered or licensed shall be limited so as not to trigger registration or licensing requirements.

The information herein has been provided for information purposes only, and is not intended to serve as investment advice or as a recommendation for the purchase or sale of any security. The information herein is not specific to any individual's personal circumstances. The strategies and/or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives. Historically, equities have had greater volatility than fixed-income securities. While the information herein has been obtained from publicly available sources, which SilverOak believes to be reliable, SilverOak cannot and does not guarantee the accuracy, adequacy or completeness of any such information. The information herein may change from time to time without notice, and SilverOak has no obligation to update this material.

SilverOak does not provide tax or legal advice. To the extent that any material herein concerns tax or legal matters, such information is not intended to be solely relied upon nor used for the purpose of making tax and/or legal decisions without first seeking independent advice from a tax and/or legal professional. All investments involve risk, including loss of principal invested. Past performance does not guarantee future performance. Individual client accounts may vary. The strategies and/or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.