The following report is a diagnostic tool intended to review your current financial situation and suggest potential planning ideas and concepts that may be of benefit. The purpose of the report is to illustrate how accepted financial and estate planning principles may improve your current situation.
This report is based upon information and assumptions provided by you (the client). This report provides broad and general guidelines on the advantages of certain financial planning concepts and does not constitute a recommendation of any particular technique. The consolidated report is provided for informational purposes as a courtesy to you. We recommend that you review your plan annually, unless changes in your personal or financial circumstances require more frequent review. All reports should be reviewed in conjunction with your fact summary and this Disclaimer page.
The term "plan" or "planning," when used within this report, does not imply that a recommendation has been made to implement one or more financial plans or make a particular investment. Nor does the plan or report provide legal, accounting, financial, tax or other advice. Rather, the report and the illustrations therein provide a summary of certain potential financial strategies. The reports provide projections based on various assumptions and are therefore hypothetical in nature and not guarantees of investment returns. You should consult your tax and/or legal advisors before implementing any transactions and/or strategies concerning your finances.
Additionally, this report may not reflect all holdings or transactions, their costs, or proceeds received by you. It may contain information on assets that are not held at the broker/dealer with whom your financial representative is registered. As such, those assets will not be included on the broker/dealer’s books and records. Prices that may be indicated in this report are obtained from sources we consider reliable but are not guaranteed. This report may contain information on assets that do not trade on a recognized market and are not registered securities (“Illiquid Asset”). Illiquid Assets are difficult to value with accuracy. Illiquid Assets should not be construed as short-term or liquid and should not be read to imply that the value is available. Significant restrictions and limitations apply to redemptions.
Past performance is no guarantee of future performance and it is important to realize that actual results may differ from the projections contained in this report. The presentation of investment returns set forth in this report does not reflect the deduction of any commissions. Projected valuations and/or rates of return may not take into account surrender charges on products you might own. They will reflect any fees or product charges when entered by the advisor/ representative. Deduction of such charges will result in a lower rate of return.
In the course of preparing and providing you this report, we seek to accurately reproduce the information from your official account statements. Since the official account statements are the actual source of information for your accounts, we encourage you to review and retain these account statements. Differences in positions and valuations may occur when data is entered into the Report, and there may be differences in reporting dates among providers or carriers, and/or to valuation sources and methods. In the event you ever observe a discrepancy between an official account statement and a Report, the original account statement's valuations prevail. If you have questions about information on an official account statement, the statement will include contact information for the carrier/provider, or you may contact us. Also, your account(s) may not be covered by FDIC or SIPC. FDIC and SIPC coverages apply only to certain assets and may be subject to limitations. Questions about coverage that may apply should be directed to the asset provider or sponsor.
An analysis of future income is strictly a hypothetical illustration of mathematical principals which will not predict or project future income and is dependent on the underlying investments’ ability to continue to provide income. The projected income figures are an estimate and provided for informational purposes only. The figures presented are not guaranteed or a forecast of future results. The figures are obtained from the custodians or product providers, and are believed to be reliable. However, M Holdings Securities makes no assurances as to the accuracy of the information and it should not be relied upon for investment, trading, or tax decisions. The underlying securities are subject to various risks, including but not limited to market risk, interest rate risk, economic risk, political risk and business risk, which could all impact the dividends declared or interest payments of the underlying security. Please contact your financial advisor for further information.
The information contained in this report is not written or intended as financial, tax or legal advice. The information provided herein may not be relied on for purposes of avoiding any federal tax penalties. You are encouraged to seek financial, tax and legal advice from your professional advisors.
Tools such as the Monte Carlo simulation will yield different results depending on the variables inputted, and the assumptions underlying the calculation. For those reports that perform a Monte Carlo analysis, the term 'Monte Carlo' will be included in the report title. The projections or other information generated by the Monte Carlo tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The Monte Carlo tool only presents a range of possible outcomes and does not represent a forecast or prediction of actual expected investment or financial outcomes. The accuracy of the model's (estimated) output is solely dependent upon modeling assumptions and the information supplied by the client and used by the advisor. There are limitations inherent in model results. In particular, model results do not represent actual trading or advisory fees and may not reflect the impact that material, economic or market factors may have had on an advisor's decision making, if the advisor were managing actual client money. The performance and outcomes of the simulated accounts may vary with each use and over time as the client(s) investment objectives change, portfolio values change, the target portfolio allocation is revised, and/or other changes are implemented.
I/We have received and read this Disclaimer page and understand its contents and, therefore, the limitations of the report. Furthermore, I understand that none of the calculations and presentations of investment returns are guaranteed.