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Disclosures

Disclosures

Disclosures

INTERNATIONAL ASSETS ADVISORY, LLC – MEMBER FINRA/SIPC

The information provided is based on carefully selected sources, believed to be reliable, but whose accuracy or completeness cannot be guaranteed. Any opinion herein reflects our judgment at this date and is subject to change without notice. This should not be construed as an offer or solicitation to buy or sell securities.

Investors should consider the investment objective, risks, and charges and expenses before investing in an investment company product. Stocks, options, and mutual funds are subject to market volatility and the chance that they may lose value. Bonds are subject to changes in interest rates, risks of defaults by issuer, and the loss of purchasing power due to inflation. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be either suitable or profitable for a client or prospective client’s wealth management investment portfolio.

This information is not intended to be legal or tax advice. Please consult a tax, legal, or financial professional with questions.

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Disclosures:

Asset Allocation:
Asset allocation does not ensure a profit or protect against a loss. Investing involves risk and investors may incur a profit or a loss. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise. International investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Declines in the value of real estate, economic conditions, property taxes, tax laws and interest rates all present potential risks to real estate investments. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum-net-worth tests.

This information is not a complete summary or statement of all available data necessary for making an investment decision. Investing involves risk and investors may incur a profit or a loss. You should discuss any tax matters with the appropriate professional.

Product Disclosures:
The information provided is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject or its affiliates to any IAA to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by IAA or its affiliates to buy or sell any securities, options or other financial instruments or provide any investment advice or service.

Investors should consider the investment objectives, risks, charges, and expenses before investing in any security. The prospectus contains this and other information. Please contact your account executive for a copy of the prospectus. Please read the prospectus carefully before investing.

Equities:
Before buying, investors should consider whether the investment is suitable for themselves and their portfolio. Additionally, investors should consider any recent market or company news. Stocks can be volatile and entail risk, and individual stocks may not be suitable for an investor.

Foreign Currencies/Exchange:
Investing in securities denominated in currencies other than the US Dollar involves certain considerations comprising both risk and opportunity not typically associated with investing in US securities. Risks also include political and government restrictions which might adversely affect the payment or receipt of payment of income on foreign securities, fluctuations in foreign securities, exchange rates, limited liquidity, lack of public information and the risk of price volatility. Please consult a tax professional regarding the tax consequences.

Fixed Income Products/Bonds:
Fixed-income investments are subject to various risks, including changes in interest rates, credit quality, market valuations, liquidity, prepayments, corporate events, tax ramifications, and other factors. Please discuss these and other factors with your account executive before investing in these products. Bonds are subject to changes in interest rates, risk of defaults by the issuer, and the loss of purchasing power due to inflation.

While such a strategy does not guarantee a profit or against loss, a diversified portfolio can minimize these risks because the risk is distributed over a variety of investments. In a well-balanced investment portfolio, some holdings may be negatively affected by market changes, while others may have a positive reaction, thus balancing the portfolio. Virtually all investments have some degree of risk. When investing in bonds, it’s important to remember that an investment’s return is linked to its risk
Risks common to most all bonds include:
• Credit Risk – financial risk that the issuer will not be able to repay the principal upon maturity as promised
• Call Risk – longer-term bonds are usually callable. The bonds may be called before the maturity date if interest rates decrease
• Market Risk – if the bond must be sold before the maturity date, the bond may be worth more or less than the face value depending on interest rate movements.
• Inflation Risk – recognizes the value of assets or of income will be eroded as inflation shrinks the value of a country’s currency.
• Liquidity Risk – some securities are very hard to sell if there is a thin trading market or if the bond is relatively unknown.

REITs:
REITs are generally long-term, illiquid investment that is not suitable for all investors. Share redemption is limited, and there currently is no active trading market for shares. REIT’s are subject to various risks such as real estate market conditions including demand, which can increase the purchase price of properties we intend to acquire, and the product’s fees and expenses will impact total performance. There is no guarantee that REIT’s will meet their stated investment objectives.

Disclosures

Contact

The offices of Painter & Johnson Financial are open 8 a.m. to 5 p.m., Monday-Friday, with the exception of normal holidays.We welcome you to call, e-mail or visit us to discuss your personal or business needs.

About

is an independent broker of insurance, securities, and employee benefits, working with our clients to provide appropriate coverage in the most economical manner. Painter & Johnson Financial works with many different insurers in order to “shop the market” for our clients. It is …