IMPORTANT
CONSUMER DISCLOSURE
KJH
Financial Services
is a Massachusetts state registered investment adviser located in Needham, MA.
KJH Financial Services may only transact business in those states in
which it is registered, or qualifies for an exemption or exclusion from
registration requirements. KJH Financial Services’ 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 KJH Financial Services’ web
site on the Internet should not be construed by any consumer and/or prospective
client as KJH Financial Services’ 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 KJH Financial Services 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 KJH
Financial Services, please contact the state securities regulators for those
states in which KJH Financial Service maintains a registration filing. A
copy of KJH Financial Services’ current written disclosure statement
discussing KJH Financial Services’ business operations, services, and
fees is available from KJH Financial Services upon written request.
KJH Financial
Services
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 KJH Financial Services’ web
site or incorporated herein, and takes no responsibility therefore. All such
information is provided solely for convenience purposes only and all users
thereof should be guided accordingly.
Past performance may not be 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 KJH
Financial Services) made reference to directly or indirectly by KJH
Financial Services in its web site, or indirectly via a link to an
unaffiliated third party web site, will be profitable or equal the corresponding
indicated performance level(s). Different types of investments involve varying
degrees of risk, and there can be no assurance that any specific investment will
either be suitable or profitable for a client or prospective client’s investment
portfolio. Historical performance results for investment indices and/or
categories generally do not reflect the deduction of transaction and/or
custodial charges, the deduction of an investment management fee, nor the impact
of taxes, the incurrence of which would have the effect of decreasing historical
performance results.
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 KJH Financial Services), will be profitable
or equal any historical performance level(s).
Certain portions of KJH Financial Services’ web site
(i.e. newsletters, articles, commentaries, etc.) may contain a discussion of,
and/or provide access to, KJH Financial Services’ (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 KJH Financial Services, or from any other
investment professional. Neither KJH Financial Services or its principal
is an attorney or a practicing accountant, and no portion of the web site
content should be interpreted as legal, accounting or tax advice.
To the extent that any client or prospective client utilizes any
economic calculator or similar device contained within or linked to KJH
Financial Services’ 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 KJH Financial Services, or from any other investment
professional.
Each
client and prospective client agrees, as a condition precedent to his/her/its
access to KJH Financial Services’ web site, to release and hold harmless
KJH Financial Services, 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 KJH Financial Services.
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