1. The material listed in this website is current as of the date noted, and is for informational purposes only, and does not contend to address the financial objectives, situation, or specific needs of any individual investor. Any information is for illustrative purposes only, and is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.
  2. Equities: Investments in equities are subject to the risks of fluctuating stock prices, which can generate investment losses. Equities have historically been more volatile than alternatives such as fixed income securities. International investments are subject to additional risks such as currency fluctuation, political instability and the potential for illiquid markets. Emerging markets bear similar but accentuated risks.
  3. Fixed-income securities: Fixed-income investments fluctuate in value in response to changes in interest rates. Mortgage-backed securities are subject to credit risk and the risk that the mortgages will be prepaid, so that portfolio management may be faced with replenishing the portfolio in a possibly disadvantageous interest rate environment.
  4. Alternative investments such as derivatives, hedge funds, private equity funds and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk.
  5. An investment in a hedge fund involves a substantially more complicated set of risk factors than traditional investments in stocks or bonds, including the risks of using derivatives, leverage, and short sales which can magnify potential losses or gains. Restrictions exist on the ability to redeem units in a hedge fund. Hedge funds are speculative and involve a high degree of risk. The investor in a hedging strategy risks losing a portion of the price paid for the hedge if the market does not move favorably. In order for a hedging strategy to be profitable, the investor must be right about the direction of the anticipated price change and also the timing of when the price change will occur. The costs of a customized (prepaid or postpaid) variable forward solution are significant. Some of the strategies involve substantial risk and are not suitable for all investors.
  6. Commodities: Commodities investments are highly volatile and are speculative. Commodities prices may be affected by overall market movements, changes in interest rates, and other factors such as weather, disease, embargoes, and international political and economic developments.
  7. Diversification does not eliminate risk. Past performance is not an indication of future results.
  8. Brokerage Products offered by your directed custodian are not FDIC-Insured • No Bank Guarantee • Investments May Lose Value.
  9. Investors should consider carefully information contained in the mutual fund prospectus, including investment objectives, risks, charges and expenses. You can request a mutual fund prospectus. Please read the prospectus carefully before investing.
  10. An investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Please note that bank deposits are FDIC-insured up to $100,000 while non-bank independent products have no such guarantees.
  11. Unlike mutual funds, certificates of deposit offer a fixed rate of return and are FDIC-insured.
  12. This website may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”). Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.”
  13. Performance is not indicative of any specific investment or future results. Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.
  14. Investment in securities, including mutual funds, involves the risk of loss.
  15. Adviser has not verified any links to outside content and therefore, does not endorse or guarantee the accuracy of such content or security of any information submitted through any non-affiliated outside portal. Adviser does not endorse any information presented.
  16. Nothing on this website should be construed as individual investment advice. Readers should contact an investment professional for financial advice tailored to their individual circumstances.