Sample Disclosures
Please note, the guide content is not FINRA approved at this time.
Example 1
This analysis is based on information provided to XXXX by a third party. All data and information is gathered from accurate sources but is not warranted to be correct, complete, or accurate. The analysis does not offer legal or tax advice and should be reviewed by your legal and tax advisors before any action is taken. Past investment performance is not indicative of future investment results.
Example 2
This document has been prepared by fpPathfinder LLC and is furnished to you by XXXXX, a division of XXXXXX, under license from fpPathfinder. While QA believes that the information in the document provided by fpPathfinder is reliable, XXXXX does not guarantee that the information is accurate, complete, or current, and is not responsible for any loss caused or alleged to be caused directly or indirectly by the information. XXXXX and its wealth management advisors do not provide legal, accounting or tax advice. Our advisors have general knowledge of certain matters included in this information, but individual situations may require the advice of licensed legal, accounting and tax professionals.
For more information about XXXXXX, its investment programs, fees, and the risks associated with the investments which XXXXX may make
or recommend, please review XXXXXXX Form ADV disclosure brochure, which is available at XXXXXXXX
Example 3
This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking advice specific to your needs, please seek such advice services from a qualified professional separate from this educational material.
All investing involves risk, including possible loss of principal. No strategy assures success or protects against loss.
Retirement Accounts: A Roth IRA/401k offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age X or prior to the account being opened for X years, whichever is later, may result in a X% IRS penalty tax. Limitations and restrictions may apply.
Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Contributions to a traditional 401k are pre-tax. Withdrawals from a traditional IRA/401k prior to age X may result in a X% IRS penalty tax in addition to current income tax.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
529 Plans: Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax-free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
Insurance Products: This material contains only general descriptions and is not a solicitation to sell any insurance product. Insurance guarantees are based on the claims paying ability of the issuing company. If you would like specific guidance regarding which type of insurance would be right for you, please consult an insurance professional or visit your state’s insurance department for more information.
Securities and advisory services offered through XXXXX, a Registered Investment Advisor. Member FINRA/SIPC.
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