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 pertaining to SFG’s advisory services, together with 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 business operations, services, fees, and applicable conflicts of interest, which is available from SFG upon request or by searching for SFG at the following link: www.adviserinfo.sec.gov.
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 linked to the Website or incorporated herein, 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. To the extent that any User accesses any economic calculator or similar interactive device contained within or 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.
Past performance does not guarantee future results. Different types of investments involve varying degrees of risk, and 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.
With respect to references on this Website to the Robb Report Worth (“Worth”): which is provided to the best of SFG’s knowledge, “Worth” is the registered trademark of CurtCo Publishing, LLC. Worth’s List of the Nation’s Top Financial Advisors (or similarly worded list) (“Top Advisor List”) is an independent listing produced annually by Worth. Worth is not affiliated with SFG. Vicki Schultz was named to the Top Advisor List consecutively from 1996 to 2004. SFG assumes that being listed on the Top Advisor List is intended to reflect the time period between the date of initial publication and the publication of the Top Advisor List for the following year. Advisors appearing on the Top Advisor List were nominated by the publication’s readers and the request for nominations was also extended to industry associations and investment firms / advisers. Neither Vicki Schultz nor SFG paid a fee to Worth in exchange for inclusion on the list. Vicki Schultz applied for consideration, and the result was independently granted. However, after receiving the designation, SFG paid a fee to a third party in exchange for plaques commemorating the designation. While SFG paid this fee after receiving the designation and not as a condition precedent, the fact that SFG paid any fee with respect to its receipt of the designation should be considered if such designation is a factor in a client or prospective client’s evaluation of whether to initially to engage or continue to engage Vicki Schultz and/or SFG to provide investment advisory services. Nominated advisers completed a detailed questionnaire in which they provided information including their backgrounds, professional designations, client-retention rates, and other information about their advisory services including a sample financial plan and a copy of SFG’s then-existing Form ADV (which would include any relevant disciplinary history). SFG reviewed the applicable questionnaires at the time of completion and based on those reviews, has a reasonable basis for believing that those questionnaires used in the preparation of the Top Advisor List was structured to make it equally easy for a participant to provide favorable and unfavorable responses, and was not designed or prepared to produce any predetermined result. SFG is not aware of the percentage of other advisers that received the applicable designation. SFG is unaware of any undisclosed facts that could potentially invalidate the appropriateness of the designation. The designation may not be representative of any one client’s experience because of the way in which it is calculated. Inclusion on the Top Advisor List does not guarantee SFG’s future performance, or any future performance pertaining to its clients’ investments; should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if SFG is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of SFG by any of its clients.
Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless SFG, its members, managers, officers, directors, owners, employees, agents, 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.
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