This website (“Website”) is a publication of S.F. Ehrlich Associates, Inc. (S.F. Ehrlich). Registration as an investment adviser is not an endorsement by securities regulators and does not imply that S.F. Ehrlich has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information related to S.F. Ehrlich’s advisory services and access to additional financial planning and 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 S.F. Ehrlich’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 S.F. Ehrlich’s current Form ADV Part 2A and Form CRS statement which is available by selecting “Part 2 Brochures,” or its Form CRS / Form ADV Part 3 Relationship Summary, which are both available by clicking HERE.
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Not all services will be appropriate or necessary for all clients, and the potential value and benefit of S.F. Ehrlich’s services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. The effectiveness and potential success of a financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Holistic or comprehensive financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to S.F. Ehrlich, but may not consider literally all aspects of a client’s financial affairs. S.F. Ehrlich will rely upon the accuracy and completeness of the information provided by the client when providing advisory services. Statements about the clients served by S.F. Ehrlich are not indicative of any client experience or level of satisfaction in working with S.F. Ehrlich. 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 S.F. Ehrlich), will be profitable or equal any historical performance level. All investment strategies have the potential for profit or loss. 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. Any reference to “private equity,” “private real estate,” or similar terminology directly or indirectly linked to this Website does not relate to any specific private investment funds and should not be construed to refer to specific private investment funds. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. 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. S.F. Ehrlich makes no warranty, express or implied, for any decision taken by any party in reliance upon such index information.
Certain portions of the Website (e.g., newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to S.F. Ehrlich’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, these discussions may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up to date, S.F. Ehrlich does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from S.F. Ehrlich or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. S.F. Ehrlich is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.
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