Disclaimer

Planning Alternatives® is registered with the Securities and Exchange Commission as a Registered Investment Adviser (RIA).  This website and the materials available for download are for information, and educational purposes only and do not constitute investment tax, legal or accounting advice.   It is limited to general information about our views on the economy, various investment options and investment strategies and are subject to change without notice.  The materials in this website should not be viewed as an offer to buy or sell, or a solicitation of any offer or recommendation to buy or sell any securities that may be mentioned on the website. Making decisions based on any information presented in our podcasts, services, or blogs on our website, should be done only with the knowledge that you could experience significant losses, or make no money at all. Neither the information nor any opinion expressed herein constitutes a recommendation to invest in accordance with a particular strategy or a solicitation for the sale or purchase of any particular security. All information in this website is based on data gathered from what we believe to be reliable sources and is intended to provide general information about Planning Alternatives® and its services.  Information throughout this website, whether stock quotes, charts, or any other statement or statements regarding market or other financial information is not guaranteed for timeliness and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor or to offer or deliver investment advice in any way. It should not be regarded as a complete analysis of the subjects discussed. Advice can only be rendered within the context of an executed Wealth Management and/or Financial Planning contract between an investor and Planning Alternatives®. No person should invest who is not, either alone or with their advisers, capable of evaluating the merits and risks of prospective investments. No representation is made that by implementing any information presented here any investor will or is likely to achieve their investment objectives, have results comparable to those shown, or will make any profit at all or will be able to avoid incurring losses. All forecasts and expressions of opinion reflect the judgment of Planning Alternatives®.  Planning Alternatives® is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. Planning Alternatives® does not represent, warranty, or imply that the services or methods of analysis employed by Planning Alternatives® can or will predict future results, successfully identify market tops or bottoms, or insulate clients from losses due to market corrections or declines. Investments are subject to market risks and potential loss of principal invested, and all investment strategies likewise have the potential for profit or loss. 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’s portfolio. There are also no assurances that any portfolio will match or outperform any benchmark. Planning Alternatives® is not providing personalized investment advice, and there can be no assurance that any strategy will be suitable or profitable for an investor’s portfolio.

Past performance is not a reliable indicator of future results and investors may not recover the full amount invested. Investments you make should be based on the specific information available for such investment, and not based on the success of past recommendations or performance.

All potential investors can check the status and disciplinary history of any of our registered representative with FINRA at https://adviserinfo.sec.gov/.

Blog Disclosure

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. Planning Alternatives® provides blogs for educational and informational purposes only and not to be construed as a solicitation to buy or sell a security or to provide personalized investment, tax, or legal advice. This blog is limited to the dissemination of general information on Planning Alternatives® service offerings.  The ideas and strategies discussed herein are not professional advice and should never be used without first seeking the advice of your financial professional. 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. This document has been prepared solely for information purposes based upon information generally available to the public from sources considered to be reliable.

This material in this blog contains our current opinions, and such opinions are subject to change without notice. Neither the information nor any opinion expressed herein constitutes a recommendation to invest in accordance with a particular strategy or a solicitation for the sale or purchase of any particular security. There is no assurance that any securities discussed herein will remain in an account’s portfolio at the time you receive this report or that securities sold have not been repurchased. The securities discussed are held in Planning Alternatives’ Tactical “model” accounts, including Conservative; Moderate Conservative; Moderate Conservative Plus; Moderate; Moderate Plus; Moderate Aggressive; and Aggressive; and do not necessarily represent a client’s entire portfolio. Furthermore, the securities discussed may in fact represent only a small percentage of a client’s portfolio holdings. A complete list of the performance for all the securities in your accounts managed by Planning Alternatives® is included in your personalized quarterly performance report. Accounts may not own every security discussed due to variations in account size, tax status, fund closures, custodian rules and availability, etc. It should not be assumed that any of the securities transactions or holdings discussed were profitable or will prove to be profitable, or that the investment recommendations or decisions we make in the future will be profitable or will be equivalent to the investment performance of the securities discussed herein. There is no guarantee that current or future investment decisions will be profitable and, in fact, may result in a loss to investors. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Performance information is net of all mutual fund or exchange-traded fund fees and expenses; is annualized for periods greater than one year; assumes reinvestment of all dividends and capital gains; and assumes investment occurred at the beginning of the period indicated. Investment return and principal value of a fund will fluctuate so that an investor’s shares on redemption may be worth more or less than the original cost. Index returns are for illustrative purposes only. Index performance returns do not reflect any management fees, transaction costs or expenses. Indexes are unmanaged and one cannot invest directly in an index.

  1. Asset Classes: Domestic Stocks are represented by the Russell 3000 Index, which measures the performance of the largest 3,000 U.S. companies representing approximately 98% of the investable U.S. stock market. International Stocks are represented by the MSCI ACWI ex U.S. Index, a market capitalization weighted index that is designed to measure the global stock market performance of developed and emerging non-U.S. markets. Alternative Strategies are represented by the Morningstar Multialternative Fund Category, which consists of mutual funds that provide exposure to different alternative investment strategies that may take short positions, invest in currencies, derivatives, or other alternative asset classes. Alternative Assets are represented by a blend of three indices: 33% (Commodities) Bloomberg Commodity TR Index, which is a broadly diversified index composed of 19 commodity futures contracts on physical commodities in seven sectors; 33% (Natural Resource Stocks) S&P Global Natural Resources Index, which is comprised of 90 of the largest publicly traded companies in natural resources and commodities businesses that meet investability requirements; 34% (Global Real Estate) FTSE EPRA/NAREIT Developed Index, which is designed to track the performance of listed real estate companies and REITs worldwide. Bonds are represented by the Barclays Capital Aggregate Bond Index, which represents most intermediate, investment grade bonds traded in the U.S., including Treasury securities; government agency bonds; mortgage-backed bonds; corporate bonds and a small amount of foreign bonds traded in the U.S. Short-term Bonds are represented by the Barclays U.S. Govt/Credit 1-5 Yr. TR index, which measures the performance of U.S. dollar-denominated U.S. Treasury bonds, government related bonds and investment grade U.S. corporate bonds that have a remaining maturity of greater than or equal to one year and less than five years. Municipal Bonds are represented by the Barclays 1-10 Year Municipal Blend Index, which is an unmanaged, total return, market value-weighted index that tracks the short and intermediate components of U.S. investment-grade tax-exempt bond market, including General Obligation, Revenue, Insured and Prerefunded bonds with a remaining maturity from 1 up to 12 years. Large cap Stocks are represented by the S&P 500 Index, a group of 500 large companies selected by S&P and weighted by market capitalization. Mid Cap Stocks are represented by the S&P 400 Index, which is a group of 400 mid-size companies selected by S&P and weighted by market capitalization. Small Cap Stocks are represented by the S&P 600, which is a group of 600 small-size companies selected by S&P and weighted by market cap. Foreign Developed Stocks are represented by the MSCI EAFE Index, a market capitalization weighted index designed to track the performance of stocks in developed markets (excluding the U.S. and Canada). Emerging Market Stocks are represented by the MSCI Emerging Markets Index, which is a market capitalization weighted index designed to capture the stock market performance of emerging markets. Long/Short Stocks are represented by the Morningstar Long/Short Equity category, which captures the performance of mutual funds that hold sizable stakes in both long and short stock positions. Long/Short Bonds are represented by the Morningstar Nontraditional Bond category, which captures the performance of mutual funds that pursue strategies divergent in one or more ways from conventional practice in the broader bond-fund universe, such as tactical management of bond exposures, active management of duration, currency trading and/or shorting. Managed Futures are represented by the Morningstar Managed Futures category, which captures the performance of mutual funds that trade liquid global futures, the majority of which follow a trend-following strategy. Performance data is from Morningstar Office, Bloomberg, and Tamarac Advisor View.
  2. Benchmark Performance: The components of the benchmarks are listed below.
    Data from Tamarac AdvisorView/Schwab PortfolioCenter.

    Past performance is no guarantee of future results.

Video Disclosure

The information contained in the videos and throughout this website, whether stock quotes, charts, or any other statement or statements regarding market or other financial information is not guaranteed for timeliness or accuracy and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. You should not treat any opinion expressed in the videos as a specific inducement to make a particular investment or follow a particular strategy. The opinions expressed in a video are based upon information Planning Alternatives® considers reliable, but completeness or accuracy is not warranted, and it should not be relied upon as such. Market conditions are subject to change at any time, and no forecast can be guaranteed. All information perceived from a video (visual or verbal) does not constitute financial, legal, tax or other professional advice and is not intended as a substitute for consultation with a qualified professional. All expressions of opinion reflect the judgment of the author/presenter as of the date of publication and are subject to change and do not constitute personalized investment advice. A professional advisor should be consulted before implementing any of the strategies presented. No content should be construed as an offer to buy or sell, or a solicitation of any offer to buy or sell any securities mentioned herein.

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