Vahanian & Associates Financial Planning Inc. (“Vahanian”) is an SEC-registered investment adviser located in Saratoga Springs, New York. Vahanian may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Vahanian has attained a certain level of skill, training, or ability. Vahanian’s website (this “Website”) is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Website should not be construed by any consumer and/or prospective client of this Website (“User”), including but not limited to any consumer, client, and/or prospective client, as Vahanian’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation over the Internet. Any subsequent, direct communication by Vahanian with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Vahanian, please contact the SEC or the state securities regulators for those states in which Vahanian maintains a notice filing. A copy of Vahanian’s current written disclosure statement discussing Vahanian’s business operations, services, and fees is available from Vahanian upon written request.

Except as prohibited by law, each client and prospective client agrees, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless Vahanian, its officers, directors, owners, agents employees, assigns, and affiliates from any and all adverse consequences resulting from any actions or omissions that are independent of receiving personalized individual advice from Vahanian.  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.

Vahanian 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 Users are guided accordingly.  All such information (including: books, newsletters, articles, commentaries, indexes, etc.) on this Website is provided as a convenience or for informational / educational purposes only. No portion of the web site content should be interpreted as legal, accounting, or tax advice.

Please remember, past performance may not be indicative of 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 Vahanian), will be profitable or equal any historical performance level(s). All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance results. 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.

Any index performance data appearing on the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index for comparison purposes only. Vahanian makes no warranty, express or implied, for any decision taken by any party in reliance upon such indices.  Investors cannot invest directly in an index.

Certain portions of the Website (e.g. books, newsletters, articles, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to Vahanian’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, such discussion may no longer be reflective of current position(s) and/or recommendation(s). While factual information presented is believed to be accurate and up-to-date, Vahanian does not guarantee its accuracy or suitability 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.  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Vahanian or from any other investment professional. A professional advisor should be consulted before implementing any of the options presented. Vahanian is neither a law firm nor accounting firm. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.  Royal Alliance Associates Inc., does not offer tax advice or tax services.

References to Our Approach are intended to be a guideline and resource to the User. It is not an exact representation of every client experience. While we strive to create a process that is replicable, we understand that every person’s situation is different and this may require fewer or additional steps along the way.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Vahanian’s Website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Vahanian, or from any other investment professional.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IN, KY, MA, MD, ME, NC, NH, NJ, NY, PA, SC, TN, TX, VA, VT. No offers may be made or accepted from any resident outside the specific state(s) referenced.