Important Disclosure Information
This website (“Website”) is a publication of Schultz Financial Group Incorporated (“SFG”), which is an SEC registered investment adviser with a primary business location in Reno, NV. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that SFG has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information related to SFG’s advisory services and access to additional financial planning and investment-related information, publications, and links to websites hosted by third parties. The publication of this Website should not be construed by any client or prospective client as SFG’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Each user of this Website (“User”) is encouraged to obtain a copy of SFG’s current Form ADV Part 2A and Form CRS statement discussing SFG’s which is available by selecting “Part 2 Brochures,” or its Form CRS / Form ADV Part 3 Relationship Summary, which are both available by clicking here.
All materials contained in this Website are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written permission of SFG. Users may not alter or remove any trademark, copyright or other notice from copies of the content. Any hyperlinks on this Website are provided as a convenience. SFG does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether directly or indirectly linked, and takes no responsibility for the same. All such information is provided solely for convenience, educational, and informational purposes only. Third-party sites that are directly or indirectly linked to this Website may collect information, including personal information relating to Users’ online activities over time and across different websites and other online services. SFG does not control a third-party’s collection or use of personal information or tracking technologies. If any User accesses any economic calculator or similar interactive device directly or indirectly linked to the Website, the User acknowledges and understands that the information resulting from the use of any such calculator/device is not, and should not be construed, as the receipt of, or a substitute for, personalized individual advice from SFG, or from any other investment professional.
Not all services will be appropriate or necessary for all clients, and the potential value and benefit of SFG services will vary based upon a variety of factors, such as the client’s investment and financial circumstances, the client’s tax bracket, the nature and amount of the client’s employer and outside benefits, the client’s level of cooperation and communication, and the client’s overall objectives. The effectiveness and potential success of a financial plan depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions. Holistic or comprehensive financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to SFG, but may not consider literally all aspects of a client’s financial affairs. SFG will rely upon the accuracy and completeness of the information provided by the client when providing advisory services. Statements regarding the clients served by SFG are not indicative of any client experience or level of satisfaction in working with SFG. Adherence to our fiduciary duty is not a guarantee of client satisfaction or any particular outcome. A financial adviser’s compensation structure should not be viewed as the sole determining factor in obtaining or retaining their services.
The receipt of personalized and tailored services, or the client’s access to financial or professional resources should not be construed as a guarantee of a particular outcome. All investing comes with risk, including risk of loss. Past performance does not guarantee future results. There can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by SFG), will be profitable or equal any historical performance level. All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, and rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There is no guarantee that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any reference to “private equity,” “private real estate,” or similar terminology on this Website does not relate to any specific private investment funds and should not be construed to refer to specific private investment funds. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.
Any index performance data appearing or referenced (directly or indirectly) on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index. Historical performance results for investment indexes and/or categories are for illustrative purposes only and do not represent actual portfolio performance. The indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Investors cannot invest directly in an index. SFG makes no warranty, express or implied, for any decision taken by any party in reliance upon such index information.
Certain portions of the Website (e.g., newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to SFG’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, these discussions may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up to date, SFG does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from SFG or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. SFG is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.
Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless SFG, its directors, officers, shareholders, owners, employees, agents, representatives, and affiliates from any and all adverse consequences resulting from any actions or omissions related to this Website that are independent of receiving personalized individual advice from SFG. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.
Certified Financial Planner Board of Standards, Inc. (“CFP Board”) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with flame design) logo in the United States (these marks are collectively referred to as the “CFP® marks”). The CFP Board authorizes use of the CFP® marks by individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 90,000 individuals have obtained CFP® certification. To earn the right to use the CFP® marks, an individual must currently fulfill specific requirements in the areas of education, examination, experience, and ethics. Individuals who become certified must complete ongoing education, ethics, and certification requirements in order to maintain the right to continue to use the CFP® marks. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.
The CPWA® designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on management topics and strategies for high-net-worth clients. The designation is administered through Investments & Wealth Institute™. Prerequisites for the CPWA® designation include a bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, RMA®, CFA®, CFP®, ChFC® or CPA license; five years of experience in financial services; and successful completion of a comprehensive background check. CPWA® coursework can be completed through a combination of self-study and in-person executive education, or completely online. Candidates must complete the CPWA® Certification Exam, a 4 hour-long, computer-based examination. CPWA® certified professionals are required to adhere to adhere to the Investments & Wealth Institute’s Code of Professional Responsibility. CPWA® certified professionals must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification.
Individuals who hold the Financial Paraplanner Qualified Professional ™ (FPQP®) designation have completed a course of study encompassing the financial planning process, the five disciplines of financial planning and general financial planning concepts, terminology, and product categories at The College for Financial Planning, an accredited institution of higher learning, and then successfully passed a proctored exam that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. Designees must adhere to the College’s Standards of Professional Conduct, and complete sixteen hours of continuing education every 2 years.
Schultz Financial Group Incorporated (“SFG”) maintains physical, electronic, and procedural safeguards that comply with federal standards to protect its clients’ nonpublic personal information (“information”). Through this policy and its underlying procedures, SFG attempts to secure the confidentiality of customer records and information and protect against anticipated threats or hazards to the security or integrity of customer records and information.
It is the policy of SFG to restrict access to and/or the sharing of all current and former clients’ information (i.e., information and records pertaining to personal background [including social security number and address], investment objectives, financial situation, financial planning issues, tax information/returns, investment holdings, account numbers, account balances, etc.) to those employees and affiliated/nonaffiliated entities who need to know that information in furtherance of the client’s engagement of SFG.
SFG shall disclose, as necessary, the client’s information: (1) to service providers in order establish and maintain the client’s accounts and process transactions (i.e., broker-dealer, account custodian, record keeper, proxy management service provider, insurance company, etc.); (2) required to do so by judicial or regulatory process; or (3) otherwise permitted to do so in accordance with applicable federal and/or state privacy regulations.
However, SFG does not, and shall not, disclose or share information with any affiliated or unaffiliated persons, entities or service providers for marketing or any other purposes or reasons not referenced above.
ANY QUESTIONS OR CONCERNS: Should you have any questions regarding the above, please contact Jennifer Specter, Chief Compliance Officer.
To read more about SFG’s ADV Part 2A, CLICK HERE to read in it’s entirety.
To read more about SFG’s ADV Part 2B, CLICK HERE to read in it’s entirety.
To read SFG’s Form CRS, CLICK HERE