JM Santoyo & Company is not a registered investment adviser under the Uniform Securities Act or the Investment Advisors Act of 1940, or a registered broker-dealer under U.S. securities laws or under the laws of any other jurisdiction.  When applicable, JM Santoyo & Company will seek the guidance and/or advice of a registered broker/dealer, investment bank, investment advisor, commercial bank or other financial institution.  The information contained on this website is for informational purposes only and does not make any offer, express or implied, with regard to the sale of any security nor is any such information made in connection with the sale of any security.  Further, the information contained on this website does not constitute investment advice, express or implied, nor does it constitute any recommendations, representations or warranties, express or implied, as to the investment suitability and viability of any securities.