This website (“Website”) is a publication of Vahanian & Associates Financial Planning Inc. (“Vahanian”), which is a registered investment adviser with a primary business location in New York. 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. This Website is limited to the dissemination of general information pertaining to Vahanian’s advisory services, together with access to additional financial planning and investment-related information, publications, and links. The publication of this Website should not be construed as Vahanian’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 review Vahanian’s current Form ADV Part 2A describing business operations, services, fees, and applicable conflicts of interest, 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.
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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 Vahanian), 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. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of Vahanian’s services will vary based upon the client’s individual investment, financial, and tax circumstances. 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. Any target directly or indirectly 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 or sectors represented are for illustrative purposes only and do not represent actual portfolio performance. The indexes or sectors represented generally do not reflect the deduction of transaction and custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Investors cannot invest directly in an index. Vahanian 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 describe Vahanian or other professionals’ recommendations or positions as of a specific prior date. Due to various factors, including changing market conditions, that information may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up to date, Vahanian 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 Vahanian 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 independent due diligence should be conducted before implementing any of the options referenced in the Website content. Vahanian 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.
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CERTIFIED FINANCIAL PLANNER™: 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. 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.