Disclaimers | michaeldubis

IMPORTANT DISCLOSURE INFORMATION

Michael A. Dubis Financial Planning, LLC (“MFP”) is an SEC registered investment adviser located in Middleton, Wisconsin. MFP and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which MFP maintains clients. MFP may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. MFP’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 MFP’s web site on the Internet should not be construed by any consumer and/or prospective client as MFP’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 MFP 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 MFP, please contact the SEC or the state securities regulators for those states in which MFP maintains a notice filing. A copy of MFP’s current written disclosure statement discussing MFP’s business operations, services, and fees is available from MFP upon written request. MFP 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 MFP 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 MFP), will be profitable or equal any historical performance level(s).

Certain portions of MFP’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, MFP (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 MFP, or from any other investment professional. MFP is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Awards

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 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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