Planning Alternatives is registered and regulated as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by the SEC, nor does it indicate that the advisor has attained a particular level of skill or ability. This website is limited to the dissemination of general information on Planning Alternatives service offerings and provides an efficient mechanism in which a prospective client may contact the advisor. Planning Alternatives does not render or offer to render personalized investment advice through the Planning Alternatives website. Advice can only be rendered within the context of an executed investment advisory and/or financial planning contract between the client and the advisor. Planning Alternatives provides blogs for informational purposes only. No portion of any blog found in our website is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax or legal advice. Performance data shown represents past performance, which is not a guarantee of future results. Inherent in any investment is the potential for loss as well as the potential for gain. Investment returns and principal value will fluctuate, so investors’ shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. Investing involves risk, including possible loss of principal. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Planning Alternatives) referred to directly or indirectly by Planning Alternatives 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 nor that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Planning Alternatives), will be profitable or equal any historical performance level(s). Future returns may differ significantly from the past due to materially different economic and market conditions and other factors. Investments within portfolios, and therefore, portfolios, involve risk and the possibility of loss, including a permanent loss of principal. Investment Return comparisons may employ a variety of popular indexes. Exposure to an asset class represented by an index is available through investable instruments based on that index. Planning Alternatives does not sponsor, endorse, sell, promote or manage any investment fund or other investment vehicle that is offered by third parties and that seeks to provide an investment return based on the performance of any index. Planning Alternatives makes no assurances that investment products based on the index will accurately track index performance or provide positive investment returns. A decision to invest in any investment fund should not be made in reliance on any statements set forth in this blog. All current or prospective clients are advised to make an investment in any such fund only after carefully considering the risks associated with investing in such funds, as detailed in the offering memorandum, prospectus or similar document that is prepared by or on behalf of the issuer of the investment fund. Inclusion of a mutual fund, REIT or bond fund within an index is not a recommendation by Planning Alternatives to buy, sell or hold such security, nor is it considered to be investment advice. Bond funds are subject to the risk that an issuer will fail to make payments on time, and that bond prices will decline because of rising interest rates or negative perceptions of an issuer’s ability to make payments. This blog has been prepared solely for information purposes based upon information generally available to the public from sources considered to be reliable. Diversification does not ensure a profit or protect against a loss in a declining market. A complete list of all Planning Alternatives recommendations for the immediately preceding period of not less than one year is available upon request. Holdings are subject to change. The holdings identified do not represent all of the securities purchased, sold or recommended for advisory clients. Planning Alternatives or one or more of its officers, may have a position in the securities discussed herein and may purchase or sell such securities from time to time.
“Past performance may not be indicative of future results”