Disclaimer: The decision to purchase or sell precious metals, and which precious metals to purchase or sell, is ultimately your decision alone. Purchase and/or sale decisions are highly individual and must be a function of each customer’s individual financial situation, goals and risk tolerance. Xillo, Inc. is not a financial planner, investment adviser or retirement specialist. Xillo, Inc. is not responsible for your decision to purchase or sell precious metals, or the timing or results of any such act (or failure to act). Any and all assistance Xillo, Inc. may offer or provide does not create a fiduciary relationship between you and Xillo, Inc. Any and all purchases and sales are made subject to your own research, prudence and judgement. Xillo, Inc. does not provide tax, investment, financial planning, retirement-specific , or legal advisory services and no one associated with Xillo, Inc. is authorised to render any such advice or service. Xillo, Inc. is not responsible for any consequences of you purchasing precious metals for IRAs, trusts or other persons or entities, or for any changes in the laws relating to such purchases or sales. Any written or oral statements by Xillo, Inc. its principals, agents, or representatives, relating to future events constitute opinions only, and are not representations of fact.