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Efficient Advisors (“Efficient”) is an investment adviser registered with the SEC. Registration as an investment adviser does not constitute an endorsement of Efficient Advisors by any regulatory body nor does it indicate that Efficient Advisors has attained a particular level of skill or training. The advisory services of Efficient Advisors are not made available in any jurisdiction in which Efficient Advisors is not registered or is otherwise exempt from registration. This material is prepared by Efficient Advisors for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation or any particular security, strategy or investment product. No representation is being made that any account will or is likely to achieve future profits or losses similar to those shown. You should not assume that investment decisions we make in the future will be profitable or equal the investment performance of the past. Past performance does not indicate future results. Please review Efficient’s Disclosure Brochure for a complete explanation of investment management fees. Any investment in the strategy is not guaranteed and may lose value. Investment Advisory Services offered through Efficient Advisors. DS Financial Strategies, LLC is not associated with Efficient Advisors. Members of Ed Slott’s Elite IRA Advisor Group must complete annual training sessions provided by Ed Slott and Company, LLC and pay an annual membership fee.

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