Balasa Dinverno Foltz LLC (“BDF”) is an SEC registered investment adviser located in Itasca, Illinois. BDF and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which BDF maintains clients. BDF may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. BDF’s public portion of its 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 BDF’s web site on the Internet should not be construed by any consumer and/or prospective client as BDF’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 BDF 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 BDF, please contact the SEC or the state securities regulators for those states in which BDF maintains a notice filing. A copy of BDF’s current written disclosure statement discussing BDF’s business operations, services, and fees is available from BDF upon written request.
BDF 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 BDF’s 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.
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 BDF) will be profitable or equal any historical performance level(s).
Certain portions of BDF’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to BDF’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 BDF, or from any other investment professional. BDF 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, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if BDF is engaged, or continues to be engaged, to provide investment advisory services. 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 (see participation data/criteria). Unless expressly indicated to the contrary, BDF did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of BDF by any of its clients. See extended rankings and recognitions disclosures. ANY QUESTIONS: The BDF’s Chief Compliance Office remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to BDF’s website, the client and/or prospective client acknowledges and understand 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 BDF, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to their access to BDF’s website and any associated client portal, to release and hold harmless BDF, its officers, directors, owners, employees and agents from their actions and/or omissions which are independent of their receipt of personalized individual advice from BDF, and any/all adverse consequences resulting from their use or misuse of the website or the client portal.
BDF does not provide written opinions regarding tax matters and no part of BDF services or this document should be relied upon as a written tax opinion. To the extent that a client requires a written opinion regarding a specific tax matter, the client should consult with the certified public accounting or law firm of their choosing. Any insurance planning or advice provided by BDF is ancillary to its investment advisory and financial planning services and such advice should not be used as the primary basis for entering into any contemplated transaction. The content of this document is not a substitute for the advice of an insurance professional, accountant or attorney in the relevant jurisdiction. BDF does not sell insurance, practice public accounting or practice law. Planning in the areas of insurance, law, tax and accounting requires the advice of an experienced professional trained in the area under consideration. BDF recommends and expects the reader to engage an outside professional trained in the matters discussed in any BDF materials before undertaking any action.