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Charles Schwab & Co., Inc. ("Schwab") is a registered broker-dealer, and is not affiliated with any advisors whose names appear on this Web site. Palo Capital, Inc. (“Palo Capital”) is independently owned and operated. Schwab neither endorses nor recommends any particular advisor or investment strategy. Palo Capital provides investment advisory services for your account. Schwab has agreements with Palo Capital under which Schwab provides Palo Capital with services related to your account. Schwab does not review the Palo Capital Web site, and makes no representation regarding the content of the Web site. The information contained in the Palo Capital Web site should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.