Important Disclosures

Registration with the SEC or state does not constitute an endorsement of the firm by regulators, nor does it indicate that the adviser has attained a particular level of skill or ability.  This content is for informational purposes only and does not intend to make an offer or solicitation for sale or purchase of any securities. Investing involves risk, including the potential loss of principal. No investment strategy, such as asset allocation or diversification, can guarantee a profit or protect against loss in periods of declining values. All investment strategies involve risk and have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially affect the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark.  Investors should carefully consider the investment objectives, risks, fees and expenses before investing.  For this and other important information please obtain the investment company fund prospectus and disclosure documents from your Advisor.  Read this information carefully before investing.

Annuities – Important General Disclosures: An Annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Annuities generally contain fees and charges which include, but are not limited to, surrender charges, administrative fees and for optional contract riders and benefits. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Annuities typically carry surrender charges for several years that may be assessed against withdrawals. Certain Annuity product features, offered by some Annuity companies, such as stepped-up death benefit, a bonus credit and a guaranteed minimum income benefit, carry added fees. If you are investing in an Annuity through a tax-advantaged plan such as an IRA, you will get no added tax advantage. Under these circumstances you should only consider buying an Annuity if it makes sense because of the Annuity’s other features, such as lifetime income payments and death benefit protection. All guarantees of an Annuity are backed by the claims paying ability of the issuing insurer.

TD Ameritrade, Inc. is one of the firms that we use to custody our client assets. TD Ameritrade, Planners Alliance, LLC, Advisory Alpha, LLC, and the other entities named are separate and unaffiliated firms and are not responsible for each other’s services or policies. TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

Members of the Investment Team work directly with our firm and personnel but are licensed with Advisory Alpha, a SEC Registered Investment Advisor.  The Investment Team is not necessarily involved with the research, due diligent, and portfolio management functions related to all investment products or solutions used for each client.  CFA® is a trademark owned by the CFA Institute. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP (with flame design) in the U.S. which it awards to individuals who successfully complete CFP board’s initial and ongoing certification requirements.

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