Disclosures Standard DisclosureNolan Wealth Management, LLC, Founder, President & Wealth Advisor, Brian A. Nolan, CLTC, offers investment advisory and financial planning services offered through Summit Financial, LLC, an SEC Registered Investment Advisor, doing business as Nolan Wealth Management, LLC, Founder, President & Wealth Advisor, Brian A. Nolan, CLTC. Summit headquartered at 4 Campus Drive, Parsippany, NJ 07054. Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC, headquartered at 80 State Street, Albany, NY 12207 (“PKS”). PKS and Summit are not affiliated companies. Investments through PKS and Summit are:NOT FDIC INSUREDNOT BANK GUARANTEEDMAY LOSE VALUE, INCLUDING LOSS OF PRINCIPALNOT INSURED BY ANY STATE OR FEDERAL AGENCYSummit only transacts business in states where it is properly registered or notice-filed, or excluded or exempted from registration requirements. Follow-up and responses that involve the rendering of personalized investment advice and financial planning for compensation will not be made without state investment advisor and investment advisor representative registration requirements, or an applicable exemption or exclusion.Brian A. Nolan, CLTC, is licensed and registered to conduct business in NJ, PA, NY, FL, VA, AZ & DE. Bond DisclosureBonds are subject to changes in interest rates, risk of defaults by the issuer, and the loss of purchasing power due to inflation. Consider that an investment’s return on bonds are directly linked to its risk. Consider contacting your registered representative prior to investing.An ETF is an investment fund traded on stock exchanges, much like stocks. Like stocks, ETFs are subject to market volatility. When buying or selling an ETF, you’ll pay or receive the current market price, which may be more or less than net asset value.A Mutual Fund is an open-ended fund operated by an investment company which raises money from shareholders and invests in a group of assets, in accordance with a stated set of objectives. IRA Tax DisclosureConverting from Traditional IRA to Roth IRA is subject to income tax. Conversions in 2010 are subject to separate rule requirements including one-half of the income generated by the conversion will be included in income in 2011 and one-half will be included in 2012 (unless you inform your advisor and elect not to have the rule apply).Expected lower tax rates and/or tax brackets may cause you to lose favorable tax treatment on your distributions and/or conversions.Additional tax consequences may result from converted funds used to satisfy tax liabilities. Be sure you understand the tax consequences before you initiate a distribution or conversion. Consult a tax adviser regarding tax treatment before making a rollover, conversion, or distribution.Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. If you require specific advice, please consult a tax professional. 529 DisclosureFor more information about any 529 college savings plan, contact the plan provider to obtain a Program Description, which includes investment objectives, risks, expenses, and other information; read and consider it carefully before investing. If you are not a taxpayer of the state offering the plan, consider before investing whether you or the designated beneficiary’s home state offers any state tax benefits. Variable AnnuitiesVariable Annuities are suitable for long term investing, particularly for retirement. Guarantees or ratings are based on the claims paying ability of the issuing insurance company. There are fees and charges associated with VA's including mortality and expense charges, administrative fees, and annual contract fees. Withdrawals of earnings will be subject to income tax and possible federal tax. Surrender charges may apply for early withdrawal. Investment options may be restricted with living benefits riders. See prospectus for more details. Variable Life InsuranceVariable life insurance, a variation of whole life insurance, offers a fixed premium schedule and a minimum death benefit. But it differs from traditional whole life insurance in that cash values are invested in portfolios of securities in an account separate from the general assets of the insurance company. A policyholder has discretion in choosing the mix of investments the policy offers. The insurance company does not guarantee investment returns and your cash value will fluctuate.