Disclaimer
Retirement planning is a major concern for most Americans. But, it's just a part of the overall question of comprehensive financial planning. So, while it's tempting to consider it in a vacuum, you must put it into a context of your total financial picture. While this site addresses retirement planning in depth, our sister site, www.InvestorSolutions.com contains a wealth of information on the broader investment and financial planning issues. Rather than duplicate the material not directly related to retirement, links beyond the scope of this site may link to our sister site. Additionally, we have provided links to numerous outside sources that we consider useful and reliable. However, we are not responsible for their content or advice. Finally, this site is for general educational purposes, and is not a substitute for individual professional advice, or the services of a qualified financial advisor, investment advisor, tax or legal professional. Use or viewing of this site acknowledges that you are indicating that you are 18 years old or older, have read, understand and will abide by the terms of use, legal notices, and disclaimers contained below:
Advisor-Client Relationship
The use of this website shall not create a client-advisor relationship.
This website is for general information and educational purposes only, and must not be considered investment or financial planning advice. Such advice must be tailored to your individual situation and objectives. Investors should consult all available information, including fund prospectuses, and investment legal and accounting professionals, before making any fund purchase or executing any investment or financial planning strategy. They must exercise their own independent judgment when making any investment decision.
No Warranties
All investments involve risk. There can be no guarantee that the strategies, tactics and methods discussed here will be successful. Shares may be more or less valuable than purchase price at any time in the future.
International investments entail greater risks (as well as greater potential rewards) than U.S. investing. These risks include political and economic uncertainties of foreign countries, as well as the risk of currency fluctuations. including foreign currency exchange rates, political risks, different methods of accounting and financial reporting, and foreign taxes.
These risks are magnified in countries with emerging markets, since these countries may have relatively unstable governments and less-established markets and economies.
There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information posted on this or any linked site.
This site does not constitute a complete description of our investment services and is for informational purposes only. For a complete description of our services, fees, methods, and qualifications refer to our SEC Disclosure Statements (ADV Part I, and ADV Part II).
It is in no way a solicitation or an offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists.
Neither the information nor any opinion expressed in the Site constitutes an offer to buy or sell any securities or financial instruments or provide any investment advice or service.
None of the services, investments or mutual funds referred to in the Site are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation.
The value and income of any of the securities or financial instruments mentioned in the Site can fall as well as rise and an investor may get back less than he invested. Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse affect on the value, price or income of such securities and financial instruments.
Investor Solutions, Inc. will not be liable to you or anyone else for any loss or injury resulting directly or indirectly from the use of this site, caused in whole or part by its negligence or compiling, interpreting, reporting or delivering this site and any content through this site. In no event will Investor Solutions, Inc., or any of its officers, agents or licensors be liable to you or anyone else for any decision made or action taken by you in reliance on such content.
Investor Solutions, Inc. is not a bank, credit union or savings and loan. The securities offered and/or discussed are not federally insured against loss of value. They are not deposits guaranteed by any financial institution and involve risks including loss of principal, and may fluctuate in value.
None of the services, investments or mutual funds referred to in the Site are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation.
Not complete description of services
This site does not constitute a complete description of our services. See our complete SEC required disclosure statements (ADV Part I and ADV Part II).
The information contained in this website is not a solicitation to sell securities or investment advisory services where such an offer would not be legal.
Neither the information nor any opinion expressed in the Site constitutes an offer to buy or sell any securities or financial instruments or provide any investment advice or service.
The information in the Site is descriptive of our philosophy. But, the services, securities and financial instruments described may not be available to or suitable for you. Not all strategies are appropriate at all times.
ADV
Below is our disclosure form also know as the ADV, as required by the Securities and Exchange Commission. This report includes our qualifications, methods, fees, and other vital business information. You should always request an ADV Part II whenever you are considering employing an investment advisor. Read it thoroughly, and ask questions if you have any.
If you have any problems downloading and/or printing the form, just call and we will mail you one.
Note: You will need Adobe Acrobat 6.0 or higher to read the forms. If you do not have Adobe Acrobat you can download a free copy of Adobe Acrobat Viewer here.
Past Performance
Nothing on this site should be interpreted to state or imply that past results are an indication of future performance. Investing involves substantial risk. Shares fluctuate in value and may be worth more or less than present value in the future. It is highly unlikely that the past will repeat itself. Selecting an advisor, fund, or strategy based solely on past returns is a poor investment strategy.
Sources of Information and Accuracy
We provide investment information that we believe to be useful and accurate. However, there cannot be any guarantees. There are many different interpretations of investment statistics and many different ideas about how to best use them. None of these offer guarantees.
The contents of this website are provided for informational and educational purposes only. All information is provided "as is", without any representations or warranties of any kind. Investor Solutions, Inc. expressly disclaims all express and implied warranties including those with respect to accuracy, completeness, timeliness or fitness for a particular purpose. We assume no responsibility for any losses, whether direct, indirect, special or consequential, which arise out of the use of this website. Unless otherwise expressly indicated, all financial information is unaudited and there is no representation that financial information has been prepared in accordance with generally accepted accounting principles.
Information throughout this internet site, whether stock quotes, charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user.
Index or asset class returns shown are historical and include the change in share price, reinvestment of dividends, and capital gains. Indexes are unmanaged and do not reflect the impact of transaction costs. Transaction costs would have reduced the total returns.
Returns quoted for mutual funds, exchange traded funds or other securities are prior to our management fee and any transaction fees from the custodian. These fees would have reduced performance.
No representation is made that any illustration reflects the actual performance of any investor. For a variety of reasons, including taxes, fees, transaction costs, irregular cash flows, and/or short holding periods, individual performance may vary substantially.
Best Execution Practices
Investor Solutions provides economical global asset allocation for its clients through the use of institutional class mutual funds. As part of our fiduciary obligation, we have negotiated below retail transaction fees with each of our client account custodians. We freely share that cost information with our clients, and recommend that they choose the best cost provider. Aside from obtaining the best possible transaction costs, best execution has little relevance in the world of mutual funds where all transactions are made at close of business net asset value for both purchases and sales. Price improvement, liquidity, and timing are simply not factors with mutual fund purchases.
We do not routinely trade individual securities. In the rare case that we purchase or sell an individual security, we rely on the trading desk of the client's custodian. All of our client custodians are required by SEC regulations to publish their procedures for guaranteeing best execution.
Privacy Policy
For a copy of the Investor Solutions, Inc. Privacy Policy, click here.
No Legal and Accounting Advice
The information contained in this website is not intended to provide legal, accounting, tax or specific investment advice. If such advice is required, the services of a competent professional advisor should be sought.
The investment services and products mentioned in the Site may often have tax consequences; therefore, it is important to bear in mind that Investor Solutions, Inc. does not provide tax advice. The levels and bases of taxation can change. Investors' tax affairs are their own responsibility and investors should consult their own attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned in the Site.
Outside Links
Some links on our Web site will let you leave our Web site. We provide these links to additional information by third parties that we believe to be useful and accurate. We are providing these links to you only as a convenience, and the inclusion of any link does not imply our endorsement of the site. The linked sites are not under our control, and we are not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Links to such websites or references to products, services or publications should not be construed as an approval of such sites, products, services or publications.
Linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions of this web site.
Copyright
The information in this Internet site (the "Site") is not intended for re-distribution. The right to download, store and/or output any material on this internet site, including Investment Strategies for the 21st Century is granted for viewing use only. Reproduction or editing by any means, mechanical or electronic, in whole or in part, without the express written permission of Investor Solutions, Inc. is strictly prohibited and subject to prosecution under U.S. and International copyright and trademark laws.
The content available through this Site is the property of Investor Solutions, Inc. and is protected by copyright and other intellectual property laws. You may not post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of Investor Solutions, Inc.
This information may not be used by any other investment advisor or investment professional as an information/marketing materials source, asset allocator, risk capacity or risk tolerance assessment, or for any other purpose.
"Investor Solutions, Inc." is a registered service mark.
Government Agencies
You can check up on our company's good standing and compliance record by contacting the following:
SEC: (202) 942-8088
(800) 289-9999
SEC file number: 801-47251
http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx
FL Department of Securities:(850) 848-3792
Look for us under Managed Account Services DBA Investor Solutions, Inc
File number: 042949&nc
