Disclaimer - BetterWealth, San Jose, CA
BetterWealth, LLC (“BetterWealth”) is a registered investment adviser with the Securities and Exchange Commission (“SEC”).
We have provided this information regarding your account(s) based on sources we believe to be accurate, and is provided for informational purposes only, as this material does not replace the statements you receive directly from TD Ameritrade or investment sponsors. No representations are being made as to the accuracy or completeness of this material. The information provided should be used only as a general guide to portfolio values. This material (or any portion thereof) may not be copied or distributed without BetterWealth’s prior written approval. All statements are current as of the date written and does not constitute an offer or solicitation to any person in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it would be unlawful to make such offer or solicitation.
The standard fee schedules for BetterWealth’s strategies are shown in the firm’s Form ADV Part 2. BetterWealth and its affiliates do not provide tax advice, and as such the figures presented should not be relied upon for tax purposes. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with BetterWealth of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.
© BetterWealth, LLC. The BetterWealth logo is a trademark and service mark of BetterWealth, LLC and issued and registered throughout the world.
Past results are not necessarily indicative of future performance and are no guarantee that losses will not occur in the future. Future returns are not guaranteed and a loss of principal may occur. The standard deviations, information ratios and allocation targets may be higher or lower at any time. There is no guarantee that these measurements will be achieved. The information provided should not be considered a recommendation to purchase or sell a particular security. Any specific securities identified do not represent all of the securities purchased, sold or recommended for advisory clients, and may be only a small percentage of the entire portfolio and may not remain in the portfolio at the time you receive this report. Current investment allocations may not be the same as depicted, as they are in the discretion of the investment manager. Portfolios are subject to change without notice and may not be representative of current or future allocations. You should not assume that investment decisions we make in the future will be profitable or will equal the investment performance of the past. The performance shown is compared to several indexes shown herein. Broad-based securities indices are unmanaged and are not subject to fees and expenses typically associated with managed accounts or investment funds. The number and types of securities found in the index can differ greatly from that of the accounts held in the strategy shown. Investments cannot be made directly in an index.
Actual Performance – See Additional Specific Performance Disclosures
Any performance shown is for the stated time period only; due to market volatility, each account’s performance may be different. Returns are shown net of management fees, trading costs, and other direct expenses, but before custody charges, withholding taxes, and other indirect expenses. The returns shown assume the reinvestment of dividends and other income. In the case of projected performance and cash flows, it is presented in response to client’s request. Performance is expressed in U.S. dollars unless noted otherwise. Performance results for one year and less are not annualized. The performance shown is for the stated time period only; due to market volatility, each account’s performance may be different. Returns are shown net of management fees, trading costs, and other direct expenses, but before custody charges, withholding taxes, and other indirect expenses. The returns shown assume the reinvestment of dividends and other income. In the case of projected performance and cash flows, it is presented in response to client’s request. Performance is expressed in U.S. dollars unless noted otherwise. Performance results for one year and less are not annualized.
The estimated fair values of certain investments, which may include private placements and other securities for which prices are not readily available, are determined by the general partner or sponsor of the respective investment and may not reflect amounts that could be realized upon immediate sale, nor amounts that ultimately may be realized. Accordingly, the estimated fair values may differ significantly from the values that would have been used had a ready market existed for these investments. The fair value of the Partnership's investments in underlying assets generally represents the amount the Partnership would expect to receive if it were to liquidate its investment in these underlying assets, excluding any redemption charges that may apply. It is important to note that the returns shown for accounts not custodied at TD Ameritrade may not represent your complete historical performance, but rather the performance of the time period shown.
Back Tested Results
Any back-tested results based on simulated or hypothetical performance have certain inherent limitations. Unlike the results shown in an actual performance record, these results do not represent actual trading. Also, because these trades have not actually been executed, these results may have under-or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.
Any case studies are intended to illustrate products and services available through BetterWealth. They do not necessarily represent the experience of other clients nor do they indicate future performance.
Licenses, Designations and Certifications:
The achievement of any professional degree, designation, certification, or license should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if BetterWealth is engaged, or continues to be engaged, to provide investment advisory services.
This information was produced by and the opinions expressed are those of BetterWealth as of the date of writing and are subject to change. Any research is based on BetterWealth proprietary research and analysis of global markets and investing. The information and/or analysis presented have been compiled or arrived at from sources believed to be reliable, however BetterWealth does not make any representation as their accuracy or completeness and does not accept liability for any loss arising from the use hereof. Some internally generated information may be considered theoretical in nature and is subject to inherent limitations associated therein. There are no material changes to the conditions, objectives or investment strategies of the model portfolios for the period portrayed. Any sectors or allocations referenced may or may not be represented in portfolios of clients of BetterWealth, and do not represent all of the securities purchased, sold or recommended for client accounts.
Due to differences in actual account allocations, account opening date, timing of cash flow in or out of the account, rebalancing frequency, and various other transaction-based or market factors, a client’s actual return may be materially different than those portrayed in the model results. The reader should not assume that any investments in sectors and markets identified or described were or will be profitable. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past performance is no guarantee of future results. The information provided may contain projections or other forward-looking statements regarding future events, targets or expectations, and is only current as of the date indicated. There is no assurance that such events or targets will be achieved, and may be significantly different than that shown here. The information presented, including statements concerning financial market trends, is based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons.
Market indexes are included in this report only as context reflecting general market results during the period. BetterWealth may trade in securities that are not represented by such market indexes and may have concentrations in a number of securities and in asset classes not included in such indexes. Accordingly, no representations are made that the performance or volatility of the model allocations will track or reflect any particular index. Market index performance calculations are gross of management and performance incentive fees.
Account Specific Information
If you are accessing this site to obtain information concerning you specific client account, it is important to note that we have provided this information regarding your account(s) based on sources we believe to be accurate. To ensure accuracy, you are encouraged to compare your account information with the information contained on the statement from the corresponding time period from the custodian of your account. Please contact us or the account custodian with any questions you may have. Also, please notify us promptly if you do not receive statements on all accounts from the custodian on at least a quarterly basis.
The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites and the information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
Investment Adviser Public Disclosure
The U.S. Securities and Exchange Commission will provide up to date information about your advisor, broker or brokerage firm. If you would like to review the profile for BetterWealth, our reference information is as follows:
At any time, you may view the current Disclosure Brochure online at the SEC’s Investment Advisor Public Disclosure website at www.adviserinfo.sec.gov. To review the firm information for BetterWealth,
*Click Investment Adviser Search in the left navigation menu and enter. Select the option for Firm and enter 226661 (our firm’s CRD number) in the field labeled “Firm Name or IARD# or CRD#” and click “Start Search”.
*BetterWealth will be listed. Click on “Investment Adviser Firm”.
*Click on “SEC”.
*ADV Part 1 will be displayed.
*This will provide access to Form ADV.
*Item 11 of the ADV Part 1 lists legal and disciplinary questions.
To learn more about the regulations and oversight of Investment Advisers and Brokers from the U.S. Securities and Exchange Commission, please check the following resources:
*Protect Your Money: Check Out Brokers and Investment Advisers
*Working With Brokers and Investment Advisers
If you have any questions about these disclosures, please contact us at 408-659-2390.