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We do not offer investment advice on-line, nor do we make any recommendations with regard to benefits or otherwise, of any type of regulated securities/investment(s), or of the value of investing in regulated or other securities. Further, nothing shall be construed herein as an offer to sell, or a solicitation to buy regulated or other securities. You are NOT our client, and nothing contained in this web site shall be implied or construed as creating a financial planner/adviser or insurance agent/adviser "client relationship" by virtue of your access to this site or otherwise. You should not rely on any information contained herein to plan, invest, or insure your life, or to do anything with respects to any of your assets. Viewing this Website does not constitute an offer of products or services of any Group or individual.

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The contents of this IAQFP web site on the Internet are protected by applicable copyright laws. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos.

IAQFP prohibits the use of any IAQFP trademarks, designations, or service marks as a link to any IAQFP web site unless the establishment of such a link is approved, in writing, by the then acting Chairman. The following are designations or service marks of IAQFP and cannot be used without the express written permission of a majority of the then current Board of Directors of IAQFP: INTERNATIONAL ASSOCIATION of QUALIFIED FINANCIAL PLANNERS; IAQFP; QFP; QFP - Qualified Financial Planner; Qualified Financial Planner; . All rights reserved (Copyright).

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The designations used and shown throughout this site and elsewhere by IAQFP.org, are or may be a trade mark or service mark, and these and others may also have certification marks filed with the US Trademark Office; therefore, persons should be careful in using any of these marks or designations in commerce to avoid being subject to violations of federal trade mark and/or licensing law(s). If you believe our use of a designation to be in violation of any such laws, or of the rights of the marks owner, please contact us immediately in writing by sending an e-mail to: info@IAQFP.org. 

IAQFP.org grants the QFP, Qualified Financial Planner designation, to Qualified Financial Planners having completed IAQFP approved education, exam, ethics, and experience criteria, and urges the public to verify anyone claiming to be a QFP through the free online QFP Registry of Qualified Financial Planners Located at: www.IAQFP.org. 

ChFC is a federally registered trade or service mark of the American College. CFP^®, CERTIFIED FINANCIAL PLANNER™ and the CFP^® flame logo are federally registered services marks of the CFP Board of Standards, Inc.

SECURITIES DISCLOSURES:

GENERAL DISCLAIMER-INCLUDING RISK: MATERIAL DISCUSSED IS MEANT FOR GENERAL ILLUSTRATION AND/OR INFORMATION PURPOSES ONLY AND IS NOT TO BE CONSTRUED AS INVESTMENT ADVICE. ALTHOUGH THE INFORMATION HAS BEEN GATHERED FROM SOURCES BELIEVED TO BE RELIABLE, IT CAN NOT BE GUARANTEED. PLEASE NOTE THAT INDIVIDUAL SITUATIONS CAN VARY THEREFORE, THE INFORMATION SHOULD BE RELIED UPON ONLY WHEN COORDINATED WITH INDIVIDUAL ADVICE.

REFUNDS:

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PRIVACY POLICY:

We do not and will not collect any personally identifiable information on our users or their usage habits. The only information collected is when a client signs up for our services. We do not disclose or sell any client information to any third party group(s) or person(s).

HYPERLINKS DISCLAIMER:

The information being provided is strictly as a courtesy. When you link to any of the web sites provided herewith, you are leaving this site. IAQFP makes no representation as to the completeness or accuracy of information that is provided at these sites. Nor are we liable for any direct or indirect technical or system issues or any consequences arising out of your access to or use of third-party technologies, sites, information and programs made available through this site. When you access one of these linked sites, you are leaving the web site, and you assume total responsibility and risk for your use of the site you are linking to.

IAQFP is not responsible for the contents of hyperlinked sites from any IAQFP web site. The NASD, SEC, MSRB and Broker/Dealers require that such information not contain material that is exaggerated, promissory, inflammatory, or misleading. While we have attempted to prevent such matters we can not and do not regularly review past, present or future updated content(s) of hyperlinked sites. You are therefore hereby strongly cautioned regarding the reliance upon or the use of any such hyperlinked site(s) content(s).