IMPORTANT DISCLOSURE INFORMATION

 

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

 

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

 

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 Financial Focus is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Financial Focus 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.

 

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