Disclaimer

Disclaimer

1. Sachetta.com may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”). Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.

2. Past performance is not indicative of any specific investment or future results. Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.

3. Any information provided by Sachetta & Callahan, LLC regarding historical market performance is for illustrative and education purposes only. Clients or prospective clients should not assume that their performance will equal or exceed historical market results and/or averages.

4. The material listed in this website is current as of the date noted, and is for informational purposes only, and does not contend to address the financial objectives, situation, or specific needs of any individual investor. Any information is for illustrative purposes only, and is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.

5. Sachetta & Callahan, LLC 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 Sachetta.com 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.

6. Unless specifically stated to the contrary, Sachetta & Callahan, LLC does not endorse the statements, services or performance of any third-party vendor or investment manager.

7. Specific securities identified and described may or may not be held in portfolios managed by the Sachetta & Callahan, LLC and do not represent all of the securities purchased, sold, or recommended for advisory clients. The reader should not assume that investments in the securities identified and discussed were or will be profitable. Any securities identified were selected for illustrative purposes and not based on their performance.

8. This web site is owned by Sachetta & Callahan, LLC. This web site and any and all accompanying screens, information, materials, user documentation, user interfaces, images, arrangements of information, related software and other proprietary property of Sachetta & Callahan, LLC or its licensors accessible via the web site (collectively hereafter referred to as the “Web Site”) is and shall remain the exclusive property of Sachetta & Callahan, LLC and its licensors, as the case may be. All rights to sachetta.com remain with Sachetta & Callahan, LLC or its licensors. This site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this site.

9. Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen or experience.

10. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal.

11. Investment process, strategies, philosophies, allocations and other parameters are current as of the date indicated and are subject to change without prior notice.

12. Adviser 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 Adviser’s 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.

13.  Business consulting and the preparation of estate planning documents may include additional fees and costs, which will be specifically stated to each individual client.  Base advisory fee includes the cost of S&C’s services in these areas.

14. Articles and Newsletters

Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen or experience. This communication may include forward-looking statements. All statements other than statements of historical fact are forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”). Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements. All expressions of opinion are subject to change. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update publicly or revise any dated or forward-looking statements. Historical performance is not indicative of future results. The investment return will fluctuate with market conditions. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Diversification does not eliminate the risk of market loss an A long-term investment approach cannot guarantee a profit. Investment process, strategies, philosophies, portfolio composition and allocations, security selection criteria and other parameters are current as of the date indicated and are subject to change without prior notice. This article is distributed for informational purposes, and it is not to be construed as an offer, solicitation, recommendation, or endorsement of any particular security, products, or services. Nothing in this communication is intended to be or should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes. While the Adviser believes the outside data sources cited to be credible, it has not independently verified the correctness of any of their inputs or calculations and, therefore, does not warranty the accuracy of any third-party sources or information. Adviser does not endorse the statements, services or performance of any third-party vendor. Unless stated otherwise, any mention of specific securities or investments is for hypothetical and illustrative purposes only. Adviser’s clients may or may not hold the securities discussed in their portfolios. Adviser makes no representations that any of the securities discussed have been or will be profitable. Any case studies or hypothetical client profiles are for demonstration purposes only. They illustrate the breadth and depth of the many clients we represent at various life stages. Any similarities to actual Adviser’s clients past or present are strictly coincidental. Individual advice and results will vary based on each client’s circumstances, objectives and prevailing economic conditions. Adviser has selected the stated indices to allow the comparison of a client’s performance to that of a well-known index. Their performance does not reflect the expenses associated with the management of an actual portfolio. The indices are shown for comparative purposes and to establish current market conditions. Clients cannot invest directly into and index. Clients should be aware that the referenced index funds may have a different security composition, volatility, risk, investment objective and philosophy, diversification, and/or other investment-related factors that may affect the benchmark funds’ ultimate performance results. Additionally, referenced indices may not include fees, transaction costs or reinvestment of income. Therefore, the Adviser’s composite and investor’s individual results may vary significantly from the index’s performance.

15. Industry registrations, designations, recognitions or awards should not be construed as an endorsement or a recommendation to retain the Adviser by the granting entity or any regulatory authority.  The SEC does not license, administer or verify CPA credentials and such licensure should not be construed as an endorsement of or prerequisite for providing advisory services.

16. Industry registrations, designations, recognitions or awards should not be construed as an endorsement or a recommendation to retain the Adviser by the granting entity or any regulatory authority.  Nothing in our communications should be construed to imply that services comparable to those offered by our firm cannot be found elsewhere.

17. Adviser is not licensed to provide and does not provide legal advice to clients.  Advice of qualified counsel should be sought to address any specific legal situation requiring assistance from such licensed individuals.

18. Adviser is not a licensed insurance broker or agency and does not sell or solicit the sale of any insurance products.  Licensed individuals should be contacted for insurance product suitability and policy acquisition needs.

Disclosures

1. Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen or experience.

2. Industry recognitions or award should not be construed as an endorsement or a recommendation to retain the Adviser by the ranking entity or any regulatory authority. Nothing in this communication is intended to imply and should not be construed to imply that services comparable to those offered by the Adviser cannot be found elsewhere.

3. Investments in securities are not insured, protected or guaranteed and may result in loss of income and/or principal. Diversification does not eliminate the risk of market loss an A long-term investment approach cannot guarantee a profit.

4. This communication may include opinions and forward-looking statements. All statements other than statements of historical fact are opinions and/or forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”). Although we believe that the beliefs and expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such beliefs and expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements. All expressions of opinion are subject to change. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update publicly or revise any dated or forward-looking statements.

5. This communication is distributed for informational purposes, and it is not to be construed as an offer, solicitation, recommendation, or endorsement of any particular security, products, or services. Nothing in this communication is intended to be or should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational and illustrative purposes.

6. Any references to outside data, opinions or content are listed for informational purposes only and have not been verified for accuracy by the Adviser. Third-party views, opinions or forecasts do not necessarily reflect those of the Adviser or its employees.

7. Adviser does not endorse the statements, services or performance of any third-party author or vendor cited.

8. This information is provided to illustrate a general concept and was not derived from any specific empirical sources and/or independently tested for validity or accuracy by Adviser.

9. Adviser is not licensed to provide and does not provide legal, insurance, or mortgage advice and/or products to clients. Advice of qualified licensed professionals should be sought to address any specific situation involving these areas.