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Forward Looking Statements
The statements made herein take into account information currently available as well as historical trends. However, any forward-looking statement involves known and unknown risks, uncertainties and other factors that may cause the actual performance of future markets to differ materially from the projections depicted here. There can be no certainty as to the extent or depth of any market downturn, nor any assurance regarding the nature, extent or timing of markets rebounding, and past performance cannot be relied upon for future performance. When evaluating the information included in this website, you are cautioned not to place undue reliance on these forward-looking statements, which reflect judgments only as of the date of the materials creation.
Statements of Opinion Including Case Studies
The information and opinions expressed herein are obtained from sources believed to be reliable and up-to-date, however their accuracy and completeness cannot be guaranteed. Opinions expressed reflect judgment current as of the date of this publication and are subject to change. Opinions expressed are current as of the date of the materials and are subject to change.
The materials on this site should in no way be construed as investment advice nor a solicitation to buy or sell securities or insurance products and services. No investment actions should be implemented based on the materials presented herein.
Investment involves risk. The value of an investment as well as income associated with investments is not guaranteed and may fluctuate. Accordingly, investments may decline below what was originally invested.
International investing, especially in emerging markets, involves special risks, such as currency exchange, political and economic risks.
Alternative Investments involve a higher degree of risk because they may engage in leveraging or other speculative investment practices that may increase the risk of investment loss. Alternative investments can also be highly illiquid.
REITs may be subject to greater volatility than investments in traditional securities and pose special risks. The value of real estate and portfolios that invest in real estate may fluctuate due to losses from causality or condemnation, changes in local and general economic conditions, supply and demand, interest rates, property taxes, and regulatory limitations on rents, zoning laws, and operating expenses.
Commodities may be subject to greater volatility than securities and pose special risks. Investments in commodities may be affected by changes in interest rates, and other factors such as weather, disease, embargoes and international economic and political developments.
High Yield Bonds
High yield bonds are lower grade bonds whose principal may be subject to greater fluctuation than investments in higher rated bonds. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, and credit risk.
Index performance is shown as total return. You cannot invest directly in an index, but you can invest in securities that track an index. Index funds are weighted and so may not perform in unison with the index.
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.
Chartered Financial Analyst (CFA) charter is a professional designation established in 1962 and awarded by the CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charterholders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. https://www.cfainstitute.org/programs/cfa.
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As of 11.19.2010
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