Guide to Gaps Disclosure:
Courage Korving Miller Partners, LLC (“CKMP”) is a Virginia Registered Investment Adviser located in
Norfolk, Virginia. Registration as an investment adviser is not an endorsement by securities regulators
and does not imply that CKMP has attained a certain level of skill, training, or ability. This publication
does not constitute individualized advice, and it is not a complete analysis of the subjects discussed.
CKMP suggests that readers consult a financial professional, attorney or tax professional about their
specific financial situation. All expressions of opinion reflect the judgment of CKMP as of the date of
publication and are subject to change. Not all of CKMP’s services are appropriate for all clients. The
potential benefit of CKMP’s financial planning and investment advisory services will vary based on
factors including but not limited to the client’s individual investment, financial, and tax
circumstances, market conditions, the manner and timing of implementation, and coordination with
the client and the client’s other engaged professionals. All investing involves risk. Past performance
does not guarantee future performance. Additional information about CKMP, including its Form ADV
Part 2A describing its services, fees, and applicable conflicts of interest is available upon request and
at https://adviserinfo.sec.gov/firm/summary/318067.

General Disclosures:
Advisory services offered through Courage Korving Miller Partners, LLC (“CKMP”) a Virginia Registered
Investment Advisory Firm. Content is developed from sources believed to provide accurate
information. The information in this material is not intended as tax or legal advice. Please consult
legal or tax professionals for specific information regarding your individual situation. The opinions
expressed and material provided are for general information and should not be considered a
solicitation for the purchase or sale of any security.
Holistic or comprehensive financial planning indicates that financial planning will be informed by the
material financial and investment circumstances of the client, as communicated by the client to
CKMP, but may not consider literally all aspects of a client’s financial affairs. CKMP will rely upon the
accuracy and completeness of the information provided by the client when providing financial
planning services. The receipt of personalized and tailored services, or the client’s access to financial
or professional resources should not be construed as a guarantee of a particular outcome. All
investing comes with risk, including risk of loss. Past performance does not guarantee future
performance.