Schwab is a registered broker-dealer, and is not affliliated with Dempsey Investment Management or any advisor(s) whose name(s) appear on this website. Dempsey Investment Management is independently owned and operated. Schwab neither endorses nor recommends Dempsey Investment Management. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Dempsey Investment Management under which Schwab provides Dempsey Investment Management with services related to your account. Schwab does not review the Dempsey Investment Management website, and makes no representation regarding information contained in the Dempsey Investment Management website, which should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.