• Information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation.

 

• Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.

 

• All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially change how well your portfolio performs. Historical performance returns for investment indexes and/or categories, usually do not deduct transaction and/or custodial charges or an advisory fee, which would decrease historical performance results. There are no guarantees that a portfolio will match or outperform a specific benchmark. Asset allocation, rebalancing and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses.

 

• Dividend payments and yields are subject to change at any time. Projected returns are based on assumptions that may not come to pass. There is no guarantee that target allocations will be achieved or maintained. Circuit breakers and technical signals will not necessarily insulate your portfolio during a market downturn.

 

• Using Riskalyze/Nitrogen does not guarantee future investment success. Your Risk Number is subject to change as your financial circumstances change.

 

• Advisory services are offered through The Retirement Guys Formula, a Registered Investment Adviser. The firm only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Securities are offered through Peak Brokerage Services, LLC, member FINRA/SIPC/MSRB. The Retirement Guys Formula is a separate and independent entity from Peak Brokerage Services, LLC. None of these firms is engaged in the practice of law or accounting.
• Social Security, tax and Medicare rules and regulations are subject to change at any time. Annuity and insurance guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

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