“You” and “your” refers to the persons executing this document (below) as Client(s). The information you have reviewed in an electronic format or as contained in 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 Important Disclosures 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 in accounts at custodians introduced through Triad Advisors, LLC. As such, those assets will not be included on Triad Advisors, LLC, books and records. Prices that may be indicated in this report are obtained from sources we consider reliable but are not guaranteed. Past performance is no guarantee of future performance. 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.
It is important to compare the information on this report with the statements you receive from the custodian(s) for your account(s). Please note that there may be minor variations due to calculation methodologies. If you have any questions, please contact your financial professional. 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.
The information contained in this report is not written or intended as 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 tax and legal advice from your professional advisors.
This User Agreement, ("Agreement") is made by and between Advisor and User. This Agreement sets forth the general terms and conditions of User’s access to and use of the eMoney Wealth Management System (the "Service"). By having accessed or otherwise used the Service, User agrees to all of the terms and conditions of this Agreement.
“Advisor” means Triad Advisors, LLC (“Triad”); and, Triad Advisors, LLC. (“Triad”) or Triad Hybrid Solutions, LLC (“THS”) (as may be applicable); and is deemed to include the independent Registered Representative(s) or Investment Advisor Representative(s) affiliated with Triad or THS who provide services to the User.
“User” is a person who has: (i) accepted an invitation from Advisor providing authorization to access the Service; or, (ii) otherwise accesses and utilizes the Service in conjunction with an account maintained with Advisor or in connection with the receipt of other services (e.g. financial planning) provided by Advisor; or (iii) by accessing the Service as an Alliance Partner, or (iv) as an employee, agent, or representative of any of (i)(ii) or (iii). “User” may include, but is not limited to, clients and prospective clients of Advisor, and any other person who has authorized user identification codes and passwords to access the Service.
To the extent that User is a client or customer of Advisor (“Client”), Client acknowledges and agrees that Client may have entered into a separate agreement with Advisor in regard to an account or other services; and, to the extent such other agreement exists, Client’s use of the Service is also subject to the terms and conditions of such other agreement. Solely in regard to Client’s use of the Service, the terms and conditions of this Agreement shall be controlling. In the event of any other conflict or inconsistency between the terms and conditions of this Agreement and any terms or conditions set forth in such other agreement between Client and Advisor, the terms and conditions set forth in such other Agreement shall prevail.
User acknowledges that, as the Service changes, User may be required to agree to additional terms and conditions as a condition to continued use of the Service. To the extent, eMoney changes the terms and conditions applicable to User’s (as defined herein) use of the Service, and such changes impact User’s access and or use of the Service, User agrees to hold Advisor harmless from any liability resulting from such changes. User acknowledges that User has entered into a Terms of Service or Terms and Conditions agreement (collectively, “TOC”), with eMoney through a “click-through” agreement. User acknowledges that if any of the terms and conditions contained in this User Agreement are inconsistent with or conflict with the TOC, as between User and eMoney the terms of the TOC are controlling; and, as between the User and Advisor the terms of this User Agreement control.
Priviledge to Access and Use the Service
During the term of and subject to the terms and conditions of this Agreement, User may access and use those aspects of the Service intended for his or her access and use (the "Site"). User shall not (1) access or use any aspect of the Service other than the Site as may be directed by Advisor or eMoney; (2) access or use the Service for any purposes other than personal use; or (3) access or use the Service in any unlawful manner or in violation of this Agreement.
User understands, acknowledges and agrees that:
CONSOLIDATED REPORT DISCLOSURE
REQUIRED DISCLOSURE: This report may contain manually entered assets. The accuracy and authenticity of manually entered assets is reliant solely on the author of the information and not controlled by or attested to by Triad Advisors nor its affiliates or business partners. Any information represented as manually entered assets should be regarded as informational only and not interpreted as official or legal financial positions. The combined total represents the combination of various sources and types of accounts. This combined total is subject to any error of any of the types of data sources that may be contributing to it, including manual entry errors and data reliability or completeness errors. The cost basis information is subject to the validity of the supplier of cost basis information and should not be used for tax purposes. Consolidated reporting provided via third party data aggregator and portfolio performance engine, under contractual agreement with the broker dealer. This consolidated report is based on custodian(s) and/or Financial Representative provided account detail and is reflected here for informational purposes, as a customer courtesy. Account information contained within this report has been provided by the custodian directly, your Financial Representative or, in the alternative, via third party data provider. The information herein is from sources deemed to be reliable, but its accuracy cannot be guaranteed. This consolidated report may include assets that the firm does not hold on your behalf (held away assets) which are not included on the firm’s books and records. Assets “held away” are those accounts which have been solicited and/or are held outside of the broker dealer. In most instances, assets “held away” may be non-verifiable by the Broker Dealer. Assets “held away” from the broker dealer may not be covered by SIPC. This report content may supplement, but is not intended to replace, the official customer account statement (hereafter referred to as "source document") provided by the custodian. You are encouraged to review and maintain the official source document(s) provided by the account custodian(s). These source documents may contain notices, disclosures and other important information and may also serve as a reference should questions arise regarding the accuracy of the information in this consolidated report. Always refer to these source documents for lending, legal or tax purposes. Calculations are based on and valuations are stated in US Dollars. If you have any questions as to the values of the assets, please contact the sponsor company directly.
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 assumptions with respect to the simulation include the assumed rates of return and standard deviations of the portfolio model associated with each asset. The assumed rates of return are based on the historical rates of returns and standard deviations, for certain periods of time, for the benchmark indexes comprising the asset classes in the model portfolio. Since the market data used to generate these rates of return change over time your results will vary with each use over time.
Monte Carlo Analysis is a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments.
The Monte Carlo simulation uses at most 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.
The outcomes presented using the Monte Carlo simulation represent only a few of the many possible outcomes. Since past performance and market conditions may not be repeated in the future, your investment goals may not be fulfilled by following advice that is based on the projections.
I/We have received and read this Important Disclosures 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.
ADVISORY SERVICES OFFERED THROUGH GWM ADVISORS, LLC., A REGISTERED INVESTMENT ADVISOR. GWM ADVISORS, LLC AND J TAYLOR PRIVATE WEALTH ARE SEPARATE ENTITIES FROM TRIAD ADVISORS, LLC.