retirement

_{Watters Financial Services, LLC is an investment adviser in Paramus, New Jersey.  Watters Financial Services, LLC is registered with the Securities and Exchange Commission (SEC).  Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission.  Watters Financial Services, LLC only transacts business in states in which it is properly registered or is excluded or exempted from registration.  A copy of Watters Financial Services, LLC ’s current written disclosure brochure filed with the SEC which discusses among other things, Watters Financial Services, LLC ’s business practices, services and fees, is available through the SEC’s website at: www.adviserinfo.sec.gov.}