Disclaimers | michaeldubis

IMPORTANT DISCLOSURE INFORMATION

This website (“Website”) is a publication of Michael A Dubis Financial Planning (“MPF”), which is an SEC registered investment adviser with a primary business location in Middleton, Wisconsin. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that MPF has attained a certain level of skill, training, or ability.
This Website is limited to the dissemination of general information pertaining to MPF’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 MPF’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 MPF’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.
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 MPF), 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 MPF’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.
Third-party sites that are directly or indirectly linked or referenced above may collect information, including personal information relating your online activities over time and across different websites and other online services. MPF does not control a third-party’s collection or use of personal information or tracking technologies.

Photos and images on this website are not of past or present clients of MPF. These photos should not be construed as an endorsement of MPF by any client.

Professional Designations

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.

Awards

Unless otherwise specifically indicated, the entities providing the awards are not clients of Michael A Dubis Financial Planning, LLC (MFP), and MFP did not pay a fee to be considered for the award. Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if MPF is engaged, or continues to be engaged, to provide investment advisory services, or should it be construed as a current or past endorsement of MFP by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. Please see the Disclaimers page for additional information.

Registered Investment Advisers (“RIAs”) commonly receive awards, designations, or are ranked among other RIAs by third party publications. In our case, we view the receipt of such awards, designations, or rankings (collectively, “Awards,”) as validation of a job well-done; this is why we advertise the receipt of Awards.

However, the advertisement of such an Award, even though it is granted by a third party, carries the obligation of prominently displayed disclosures. As such...Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if MFP is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of MFP by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

The following "Awards" were given to Michael A Dubis referenced throughout this website. It is important to note MFP did not pay for any of these awards, the entities granting the awards are not clients of MPF, and all three awards were independently granted.

1. Medical Economics 2010 Best Advisor. This was the only year MFP received this award and the last year MFP applied for the award. Prior to 2011, Medical Economics required an involved review process and 10 years of experience before awarding this designation. This process is not available online to reference, but the process was conducted independently of MFP. After 2010, Medical Economics was sold to another publication company and no longer required what MFP thought was reasonable diligence. MFP refused to participate in the award process since MFP believed that the award was primarily given out if one was willing to pay for the award. MFP never paid Medical Economics to be awarded the 2010 nomination and refused to prospectively. The 2010 award was independently granted

2. InBusiness 40 Under 40. MFP was awarded this in 2003 for his contributions to the community and for starting a business. The 2003 nomination process is not available online, but the process was conducted independently of MFP. A current nomination process can be found here. http://www.ibmadison.com/In-Business-Madison/Surveys/40-Under-40-Submission-Form/ MFP did not pay for this award. MFP currently writes for IBMadison, but was not writing for IBMadison when he received the award. The 2003 award was independently granted.

3. Investment News 40 Under 40. MFP was awarded this in 2014 for his contributions to the industry. MFP was nominated by another advisor. Investment News then requested MFP complete a detailed intake to determine eligibility for the award. The 2014 application is not available online, but the 2016 application can be found here. http://www.investmentnews.com/article/20160301/FREE/160309998/nominate-your-best-for-investmentnews-40-under-40. Additional information can be found here. http://www.investmentnews.com/section/awards-and-recognition/40-under-40. MFP did not pay to be awarded this nomination. The 2014 award was independently granted.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if MFP is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of MFP by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

We believe we have considered the various factors necessary to advertise an Award while also prominently display disclosures to accompany the Award advertisement.

Other

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to MFP’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 MFP, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to MFP’s web site, to release and hold harmless MFP, 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 MFP.

Links

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

Link Disclaimer:At certain places on Michael A. Dubis Financial Planning, LLC's Internet Site, live 'links' to other Internet sites can be accessed. That information being offered is strictly as a courtesy and convenience. Michael A. Dubis Financial Planning, LLC does not endorse, verify or attest to the accuracy or completeness of the content of the web sites that are linked and accepts no responsibility for their use or content. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.

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