VCM DISCLOSURE (To be used on all ads) Investment Advisory Services offered through Virtue Capital Management, LLC (VCM), an SEC Registered Investment Adviser. VCM and JD Underwood Financial are independent of each other.
WEBSITE DISCLOSURE (To be used on any website that mentions investments or investment strategy) The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
TAX/LEGAL DISCLOSURE (To be used any time taxes or legal issues are mentioned) Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.
LONG DISCLOSURE (To be used on lengthy advertisements such as websites or presentations) Fiduciary duty extends solely to investment advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long-term care insurance or broker-dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. The investment adviser representative (“IAR”) is also a licensed insurance agent. In this capacity, the IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through the IAR on a commissionable basis. In addition, the IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when the IAR acts as an insurance agent may give the IAR an incentive to recommend insurance products based on the compensation received.
S&P DISCLOSURE (To be used when mentioning the S&P 500 Index. All other mentions of indexes are prohibited unless approved in advance and have applicable disclosures provided.) The S&P 500 index is designed to be a broad-based unmanaged leading indicator of U.S. equities and is meant to reflect the risk/return characteristics of the large-cap universe or representative of the equity market in general. This index does not reflect the deduction of any fees. It is not available for direct investment. Exposure to an asset class represented by an index is available through investable instruments based on that index.
FIXED INDEX ANNUITY DISCLOSURE (To be used when discussing fixed index annuities) Index or fixed annuities are not designed for short-term investments and may be subject to caps, restrictions, fees, and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims-paying ability of the issuer.
THIRD-PARTY MATERIAL DISCLOSURE (To be used on any material provided by a third party) The information and opinions contained herein are provided by third parties and have been obtained from sources believed to be reliable, however, we make no representation as to its completeness or accuracy. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Content is provided for informational purposes only and is not a solicitation to buy or sell any products mentioned.
JD Underwood Wealth Management, Inc is an investment advisory firm that provides professional money management on a no commission, fee-only basis. JD Underwood Insurance Strategies, Inc is an insurance agency that offers insurance products that generate compensation from commissions. JD Underwood Financial is a DBA.
