Welcome to Financial Consulate’s website! The Financial Consulate, Inc. and its associates provide the information available to you on this site subject to the following conditions. If you visit this website, you accept these conditions. Please read the following terms and conditions (“Terms and Conditions”) carefully before using this website.
TERMS AND CONDITIONS OF USE
The Financial Consulate, Inc. (“The Consulate”) is an SEC-registered investment advisor firm with its principal place of business located in Hunt Valley, Maryland and an additional location in Gettysburg, Pennsylvania. The Consulate and its investment adviser representatives are in compliance with the current registration and filing requirements imposed upon registered investment adviser firms by those states in which we maintain clients. The Consulate may only transact business in those states or other jurisdictions in which it is registered or qualifies for an exemption or exclusion from registration requirements. For information pertaining to the registration status of The Consulate, please contact the SEC or the state securities regulators for those states in which The Consulate maintains a notice filing. The Consulate does not provide investment advisory services to residents of the European Union.
Important information describing The Consulate’s business operations, services, and fees can be viewed on the SEC’s website at www.adviserinfo.sec.gov or posted on the disclosures section of the company website. The Consulate will provide its Form ADV disclosure brochure, which serves as the firm’s disclosure document, to all clients. Copies are also available to interested parties upon request. For detailed information about The Consulate’s investment adviser representatives who may serve retail clients, you may also visit www.adviserinfo.sec.gov and view background information about such investment adviser representatives.
This website is published in the United States for residents of the United States. The Consulate is not soliciting business in international jurisdictions where it is not registered.
The Consulate 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 Consulate’s website or incorporated herein, and takes no responsibility therefor. All such information is provided for convenience purposes only and all users thereof should be guided accordingly.
This website is intended for informational purposes only. Despite our efforts to be accurate, these pages may contain errors and information that is no longer current. The information published on this website is subject to change on a regular basis without notice. This website should not be regarded as a complete analysis of the subjects discussed.
Certain portions of The Consulate’s website (i.e. newsletters, articles, podcasts, videos, commentaries, etc.) may contain a discussion of, and/or provide access to, The Consulate’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). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from The Consulate, or from any other investment professional. The Consulate is neither a law firm, nor an accounting firm, and no portion of the website content or its services should be interpreted as legal, accounting, or tax advice.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to The Consulate’s web site, 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 The Consulate, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to their access to The Consulate’s website, to release and hold harmless The Consulate, its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of their actions and/or omissions which are independent of their receipt of personalized individual advice from The Consulate.
Past performance is not indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by The Consulate) made reference to directly or indirectly by The Consulate in its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal to the corresponding indicated performance level(s).
Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including investment strategies detailed on this website, undertaken, or recommended by The Consulate) will be either suitable or profitable for a client’s or prospective client’s portfolio/individual situation or prove successful. Such investments may result in a complete loss of principal.
Please remember that it remains your responsibility to advise The Consulate, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure statement discussing our advisory services and fees is available upon request. The scope of the services to be provided depends upon the needs of the client and the terms of the engagement.
Nothing on this website should be construed as a solicitation or offer, or recommendation to acquire or dispose of any investment or to engage in any other transaction. The Consulate does not render or offer to render personal investment advice or financial planning advice through our website.
Viewing or utilizing information on this website or contacting or responding to our offices or investment adviser representatives does not create an investment advisory relationship of any kind. An investment advisory relationship can only be established and investment advice can only be provided after the following three events have been completed: (1) our thorough review with you of all the relevant facts pertaining to a potential engagement; (2) the execution of a written engagement and fee agreement; and (3) delivery of the Form ADV disclosure brochure.
The Consulate uses links to other websites in an effort to assist users in locating information on topics that might be of interest to them. We cannot attest to the accuracy of information provided by linked sites. Linking to a website does not constitute an endorsement by The Consulate of any of its employees, the sponsors of the site, or the products presented on the site. Technical problems with outside links, other than a link that has been moved or changed, should be reported to the entity that maintains the site.
Our website is provided to you without charge as a convenience and for your information only. By providing access to our website content, we do not warrant nor represent the following:
- the content is accurate or complete;
- the content is up-to-date or current;
- we have a duty to update any content;
- the content is free from technical inaccuracies or typographical errors; and
- your access to our website will be free from interruptions, errors, computer viruses, or other harmful components.
We do not assume any liability for these matters. In other words, you use our website at your own risk. Under no circumstances, including but not limited to negligence, shall we be liable for any direct or indirect, special, incidental, or consequential damages. This includes loss of data or profit arising out of the use or the inability to use the content of this website, even if one of our representatives has been advised of the possibility of your damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
When you visit www.financialconsulate.com, or any subdomains or other sites owned and operated by The Financial Consulate, Inc. or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The Financial Consulate, Inc. or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of The Financial Consulate, Inc., with copyright authorship for this collection by The Financial Consulate, Inc., and protected by international copyright laws.
The Financial Consulate, Inc.’s trademarks and trade dress may not be used in connection with any product or service that is not The Financial Consulate, Inc.’s in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits The Financial Consulate, Inc. The Financial Consulate, Inc. specifically holds and protects the following terms under its copyrights: The Financial Physical, The Financial Consulate, Retirement Financial Physical, Triune Planning, and others. All other trademarks not owned by The Financial Consulate, Inc. or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by The Financial Consulate, Inc. or its subsidiaries.
License & Site Access
The Financial Consulate, Inc. grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express wrote consent of The Financial Consulate, Inc. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of The Financial Consulate, Inc. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of The Financial Consulate, Inc. and our associates without express written consent. You may not use any meta tags or any other “hidden text” utilizing The Financial Consulate, Inc.’s name or trademarks without the express written consent of The Financial Consulate, Inc. Any unauthorized use terminates the permission or license granted by The Financial Consulate, Inc. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of The Financial Consulate, Inc. so long as the link does not portray The Financial Consulate, Inc., its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive manner. You may not use The Financial Consulate, Inc.’s logo or other proprietary graphic or trademark as part of the link without express written permission.
Your Client Account
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with the involvement of a parent or guardian. The Financial Consulate, Inc. and its associates reserve the right to refuse service, terminate accounts, remove, or edit content, or cancel orders at their sole discretion.
The Financial Consulate, Inc. and its associates attempt to be as accurate as possible. However, The Financial Consulate, Inc. does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current, or error-free. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY: THIS SITE IS PROVIDED BY The Financial Consulate, Inc. ON AN “AS IS” AND “AS AVAILABLE” BASIS. The Financial Consulate, Inc. MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, The Financial Consulate, Inc. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The Financial Consulate, Inc. DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM The Financial Consulate, Inc. ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. The Financial Consulate, Inc. WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. APPLICABLE LAW: By visiting The Financial Consulate, Inc., you agree that the laws of the state of Maryland, United States of America, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and The Financial Consulate, Inc. or its associates.
Site Policies, Modifications & Severability
Maryland CPA Corporation #38559