Financial Planning Focus is a registered investment adviser located in San Rafael, California. Financial Planning Focus and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the state of California. Financial Planning Focus may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. This web site is limited to the dissemination of general information pertaining to its diversified services. Accordingly, the publication of this web site should not be construed by any consumer and/or prospective client as Financial Planning Focus’ solicitation to effect, or attempt to effect, transactions in securities or the rendering of personalized investment or tax advice for compensation, over the Internet. Any subsequent, direct communication by Financial Planning Focus with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Financial Planning Focus, please contact the California securities law administrators for those states in which Financial Planning Focus maintains a notice filing. Financial Planning Focus’s current written disclosure statement discussing Financial Planning Focus’s business operations, services, and fees is available from Financial Planning Focus upon written request and at this web page. Financial Planning Focus 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 linked to this web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by Financial Planning Focus) or product made reference to directly or indirectly by Financial Planning Focus in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.
Certain portions of this web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Financial Planning Focus’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Financial Planning Focus, or from any other investment, tax, or financial professional. Financial Planning Focus is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal or accounting advice. Financial Planning Focus recommends clients and prospective clients consult their tax professionals before enacting strategy or recommendation perceived to have been made in this web site.
To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Financial Planning Focus’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Financial Planning Focus, or from any other investment, tax, or financial professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to Financial Planning Focus’s web site, to release and hold harmless Financial Planning Focus, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Financial Planning Focus.