Information on this website is for informational purposes only. No guarantees can be made about future performance, and no illustrations or information on this website are intended to be a warranty, assurance or guarantee of results you may expect. Financial planning requires the use of a variety of assumptions that will vary substantially over time.
Any analysis results and recommendations are a snapshot of where things stand at a specific point in time. The rapid change in the movement of the various assumptions makes it essential to update every financial plan along with the corresponding recommendations at least once a year or when major changes occur.
Investments described on this site may include actively managed and passive strategies. The actual weightings and characteristics of investments described will vary over time from what may be described. The value of all investments will fluctuate due to economic, political, market and specific holding events, and sometimes in a short period of time.
All aspects of risk and potential loss should be considered before making any investment or insurance purchase decision. Investments may fluctuate dramatically, so your comfort level for risk needs to be re-evaluated before and after dramatic drops occur.
Non-U.S. stocks and bonds may fluctuate due to the respective country and currency risks, which may work in your favor or against you. The unstable nature of some governments adds additional risk to investments made in foreign countries, and those investments may be less liquid than U.S. investments.
An index is not available for direct investment, so its performance does not reflect expenses associated with an actual investment in your portfolio. The use of additional asset classes is intended to reduce risk, but that objective might not be achieved.
It is your responsibility to read all agreements and any corresponding prospectuses thoroughly before you proceed with any of our services.
This website mentions tax and legal issues, but it is not designed to offer any specific tax or legal advice. Any action taken on your part should always be reviewed by your legal and tax advisors before proceeding.