DISCLOSURES

Website Disclaimer 

This website (“Website”) is a publication of PreNeed Advisory, LLC, a registered investment adviser principally located in Newport Beach, California (“PNA”). Registration as an investment adviser is not an endorsement by securities regulators and does not imply that PNA has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information related to PNA’s advisory services and access to additional investment-related information, publications, and links to websites hosted by third parties. The publication of this Website should not be construed by any client or prospective client as PNA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Each user of this Website (“User”) is encouraged to obtain a copy of PNA’s current Form ADV Part 2A and 2B, which is available by contacting us at 626.584.1012.

All materials contained in this Website are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written permission of PNA. Users may not alter or remove any trademark, copyright, or other notice from copies of the content. Any hyperlinks on this Website are provided as a convenience. PNA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether directly or indirectly linked, and takes no responsibility for the same. All such information is provided for convenience, educational, and informational purposes only. Third-party sites that are directly or indirectly linked to this Website may collect information, including personal information relating to Users’ online activities over time and across different websites and other online services. PNA does not control a third-party’s collection or use of personal information or tracking technologies. If any User accesses any economic calculator or similar interactive device directly or indirectly linked to the Website, the User acknowledges and understands that the information resulting from the use of any such calculator/device is not, and should not be construed, as the receipt of, or a substitute for, personalized individual advice from PNA, or from any other investment professional.

Not all services will be appropriate or necessary for all clients, and the potential value and benefit of PNA’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s level of cooperation and communication, and the client’s overall objectives. Statements about the clients served by PNA are not indicative of any client experience or level of satisfaction in working with PNA. Adherence to our fiduciary duty is not a guarantee of client satisfaction or any particular outcome. An adviser’s compensation structure should not be viewed as the sole determining factor in obtaining or retaining their services. 

The receipt of personalized and tailored services, or the client’s access to financial or professional resources should not be construed as a guarantee of a particular outcome. All investing comes with risk, including risk of loss. Past performance does not guarantee future results. There can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by PNA), will be profitable or equal any historical performance level. Investment strategies such as asset allocation, diversification, and rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There is no guarantee that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts, and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.

Any index performance data appearing or referenced (directly or indirectly) on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index. Historical performance results for investment indexes and/or categories are for illustrative purposes only and do not represent actual portfolio performance. The indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Investors cannot invest directly in an index. PNA makes no warranty, express or implied, for any decision taken by any party in reliance upon such index information.

The program contemplates investing in mutual funds, exchange-traded funds, and potentially other securities. Fees paid to PNA for its services are separate and distinct from the fees and expenses charged by these funds. For mutual fund and ETF purchases, clients will incur charges imposed by the respective fund, which represent the client’s pro rata share of the fund’s management fee and other fund expenses. These fees and expenses are more fully described in each fund’s prospectus or other offering documents.

Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless PNA, its members, managers, owners, employees, agents, representatives, and affiliates from any and all adverse consequences resulting from any actions or omissions related to this Website that are independent of receiving personalized individual advice from PNA. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.