FINRA's BrokerCheck

Important Disclosures Concerning Securities Recommendations

Rehmann is an independent member of Nexia International. Securities offered through Royal Alliance Associates, a member of FINRA/SIPC. Investment advisory services offered through Rehmann Financial, a Registered Investment Advisor. Rehmann Financial and Nexia are not affiliated with Royal Alliance Associates Fixed and/or Traditional Insurances Services offered through Rehmann Insurance Group. Rehmann Insurance Group is not affiliated with Royal Alliance Associates or registered as a broker-dealer or investment advisor.

The views expressed in this newsletter may not reflect the views of Royal Alliance Associates, Inc. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

Advisors of Rehmann Financial who are seen in the media may make recommendations of securities. Recommendations presented on this website or through an email link may not necessarily represent the current market environment.

Prices quoted in the media appearance will fluctuate and investors should not rely upon the price quoted in the media appearance as the basis for any investment decision. Due to the changing nature of investment markets as well as the issuer of each subject security, opinions concerning recommended securities are subject to change and the information presented should not be used to make personal investment decisions. No part of any media appearance should be construed by any person viewing the media appearance as a prediction or projection of future performances of any securities discussed or recommended.

Prior to implementing any personal investment strategy, investors should discuss their investment objectives, risk tolerance, time horizon and liquidity needs with their financial advisor to ensure that any investment(s) purchased are suitable.

All investments involve risk including the potential loss of principal. No investment or investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results.

Investors should understand that sector investing may involve a greater degree of risk than investments with broader diversification.

Investments in stocks of small companies involve additional risks. Smaller companies typically have a higher risk of failure, and are not as well established as larger blue-chip companies. Historically, smaller-company stocks have experienced a greater degree of market volatility than the overall market average.

From time to time a discussion may be present concerning stocks and dividends. They payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.

Fixed-income securities are subject to interest rate risk and credit risk. Generally, the prices of fixed-income securities tend to fail as interests rise. Rising interest rates may cause the value of longer term maturities to decline significantly. If interest rates fall, it is possible that the issuer of a security will be unable and/or unwilling to make timely interest payments and/or repay the principal on its debt, which may adversely affect the value of the security. Municipal bonds may be subject to capital gains taxes, and interest income may be subject to the alternative minimum tax (AMT).

The purchase and/or sale of securities involve sales charges, generally referred to as a commission that the investor will pay.

Indexes may be discussed during the broadcast. Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses.

From time to time, advisors of Rehmann F Financial may appear in the media with other individuals representing the viewpoint of other investment firms. These individuals are not affiliated with Royal Alliance Associates, Inc. ("Royall Alliance"), or Rehmann Financial ("Rehmann") and neither Royal Alliance nor Rehmann are responsible for the content these individuals present.

Upon request, the firm will make available the investment information supporting recommendations presented.

Mutual Fund investments are not guaranteed by any source and can lose money including principal. Risks vary depending upon the strategy used by the fund as well as the sectors in which the fund invests. When redeemed, shares may be worth more or less than the original amount invested.

Before stopping periodic withdrawals from any annuity please consult with your financial advisor and/or a tax professional as individual situations will vary.

The information presented here is not intended to be a substitute for specific individualized financial or tax advice.

PLEASE NOTE: The information being provided is strictly as a courtesy. We assume no liability for any inaccuracies, errors or omissions in or from any data or other information provided on the pages, or for any actions taken in reliance on any such data or information.

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