Welcome to our 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 within this website, you accept these conditions. Please read them carefully.
The Financial Consulate, Inc. (“The Consulate”) is an SEC registered investment adviser with locations in Hunt Valley, Maryland and Gettysburg, Pennsylvania. THE CONSULATE and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which THE CONSULATE maintains clients. THE CONSULATE may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. THE CONSULATE’s web site 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 CONSULATE’s web site on the Internet should not be construed by any consumer and/or prospective client as THE CONSULATE’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 THE CONSULATE 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 THE CONSULATE, please contact the SEC or the state securities regulators for those states in which THE CONSULATE maintains a notice filing. A copy of THE CONSULATE’s current written disclosure statement discussing THE CONSULATE’s business operations, services, and fees is available from THE CONSULATE upon written request as well as posted on the disclosures page of the site. 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 web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please remember that 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 THE CONSULATE), will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Past performance may not be indicative of future results.
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 to 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.
Certain portions of THE CONSULATE’s web site (i.e. newsletters, articles, podcasts, videos, commentaries, etc.) may contain a discussion of, and/or provide access to, THE CONSULATE (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 web site 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 his/her/its access to THE CONSULATE’s web site, to release and hold harmless THE CONSULATE, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from THE CONSULATE.
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, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by THE CONSULATE Partners, LLC), or any non-investment related content, made reference to directly or indirectly in this communication will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Moreover, you should not assume that any discussion or information contained in this communication serves as the receipt of, or as a substitute for, personalized investment advice from THE CONSULATE. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. THE CONSULATE is not a law firm and no portion of the communication content should be construed as legal advice. A copy of the THE CONSULATE current written disclosure statement discussing our advisory services and fees is available upon request and in the Disclosures section of our website. If you are a THE CONSULATE client, please remember to contact 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.
When you visit www.financialconsulate.com, or any sub domains 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 e-mail 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 copywrites: 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 written 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 matter. You may not use any The Financial Consulate Inc. 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 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 in 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. MYCOMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM MYCOMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MYCOMPANY 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