I. General Disclaimer This website ("site") is
offered to the public by The Independent Adviser Corporation, Inc.
("1-800-ADVISER.COM") for informational use only.
Any person using information from this site ("user")
agrees to be bound by this Disclaimer and Terms of Use.
You are encouraged to personally
interview, obtain references and reach an independent decision
about your choice of financial adviser. Selection of a
participating professional to represent or advise you in any
matter is your sole responsibility.
This directory is provided for informational purposes only and
is not an endorsement, recommendation, or guarantee of any
service, product, or professional. The selection of a professional
listed in the directory and the transaction of business with such
person is your sole responsibility and should be undertaken only
after thorough investigation and analysis. 1-800-ADVISER.COM
receives fees for each person listed in the directory. No fees are
received whether or not a client uses a particular adviser.
Any information or financial advice provided by any person, financial adviser,
certified public accountant, member of the marketing program,
financial planner or adviser ("adviser") is the sole
responsibility of the adviser, who is independent of 1-800-ADVISER.COM.
Neither 1-800-ADVISER.COM guarantees or warrants the accuracy,
quality, completeness or validity of any information contained on,
distributed through, or accessed from this site. 1-800-ADVISER.COM
expressly disclaim any and all warranties of any kind, whether
express or implied.
By submitting any information to this site, contacting an
adviser or authorizing a adviser to contact user, user
acknowledges that user has read any additional disclaimers
appearing on or accessed from an adviser's listing and this
Disclaimer and Terms of Use and agrees to be bound by its terms.
User also agrees not to hold 1-800-ADVISER.COM or any agents,
affiliates or successors, liable for any and all claims for
damages resulting from an adviser's advice or any representation of any
user or from use of this site or information provided by or
related to an adviser.
The information contained in this site is not an endorsement or
recommendation of any adviser on the part of 1-800-ADVISER.COM
. Neither 1-800-ADVISER.COM provide legal advice or guarantee the
suitability of any professional. This site is an advertisement and
should not be interpreted as a recommendation of, or referral to a
specific adviser. Selection of a adviser to represent user
in any legal matter is the sole responsibility of user.
1-800-ADVISER.COM receives a fee for each person listed in the
directory and may receive other fees for services provided to such
persons.
This site is not operated by an organization, agency, or
governmental body that certifies the specialty of or tests the
competency of the advisers or is authorized by any
jurisdiction to do so. To be
eligible for a listing on this site, participants had to assert
that they met certain minimum criteria:
* an independent fee-based financial adviser
* does not engage in the sale of proprietary products
* is a registered CFP, CPA or RIA
No information contained on this site shall be construed as a
participant holding himself or herself out as a specialist unless
specifically claimed in a participant's listing in a manner
consistent with state regulations.
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II. State Required Disclaimers and Citations to Rules
Every state has rules of conduct for attorneys that govern
lawyer advertising and which may apply to the listing you are
viewing. You may find the text of these rules in the sources
indicated below. In addition, if a state requires specific
language to accompany an attorney's advertisement, that language
is also provided below.
No representation is made that the quality of the legal
services to be performed is greater than the quality of legal
services performed by other lawyers. Alabama Rules of Professional
Conduct, Rule 7.2(e)
See Alabama Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
The Alaska Bar Association does not accredit or endorse
certifying organizations. Alaska Rules of Professional Conduct,
Rule 7.4(a)(2)
See Alaska Rules of Professional Conduct, Rules 7.1, 7.2
See Arizona Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Arkansas Model Rules of Professional Conduct, Rules 7.1,
7.2, 7.4
See California Rules of Professional Conduct, Rule 1-400
Colorado does not certify attorneys as specialists in any
field. Colorado Rules of Professional Conduct, Rule 7.4
See Colorado Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Connecticut Rules of Professional Conduct, Rules 7.1, 7.2,
7.4, 7.4A
See Delaware Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See D.C. Rules of Professional Conduct, Rule 7.1
The hiring of a lawyer is an important decision that should not
be based solely upon advertisements. Before you decide, ask the
lawyer to send you free written information about his or her
qualifications and experience. Florida Rules of Professional
Conduct, Rule 4-7.3(b)
See Florida Rules of Professional Conduct, Rule 4-7
See Georgia Code of Professional Responsibility, DRs 2-101,
2-105
There is no procedure for review or approval of specialist
certification organizations in Hawaii. Hawaii Rules of
Professional Conduct, Rule 7.4(c)
See Hawaii Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Idaho Rules of Professional Conduct, Rules 7.1, 7.2, 7.4,
7.5
The Supreme Court of Illinois does not recognize certifications
of specialties in the practice of law. Any certificate, award or
recognition by an agency, governmental or private, or by any
group, organization or association used by an Illinois attorney to
describe his or her qualifications as a lawyer or in any
subspecialty of law is not a requirement to practice law in
Illinois. Illinois Rules of Professional Conduct, Rule 7.4(c)
See Illinois Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Indiana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
The determination of the need for legal services and the choice
of a lawyer are extremely important decisions and should not be
based solely upon advertisements or self-proclaimed expertise.
This disclosure is required by rule of the Supreme Court of Iowa.
Memberships and offices in legal fraternities and legal
societies, technical and professional licenses, and memberships in
scientific, technical and professional associations and societies
of law or field of practice does not mean that a lawyer is a
specialist or expert in a field of law, nor does it mean that such
lawyer is necessarily any more expert or competent than any other
lawyer.
A description or indication of limitation of practice does not
mean that any agency or board has certified such lawyer as a
specialist or expert in an indicated field of law practice, nor
does it mean that such lawyer is necessarily any more expert or
competent than any other lawyer.
All potential clients are urged to make their own independent
investigation and evaluation of any lawyer being considered. This
notice is required by rule of the Supreme Court of Iowa
See Iowa Code of Professional Responsibility for Lawyers, DRs
2-101, 2-105
See Kansas Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Kentucky Rules of Professional Conduct, Rules SCR 3.130
(7.01), SCR 3.130 (7.02), SCR 3.130(7.10), SCR 3.130(7.20), SCR
3.130(7.40)
See Louisiana Rules of Professional Conduct, Rules 7.1, 7.4
See Maine Code of Professional Responsibility, Rules 3.8, 3.9
See Maryland Lawyer's Rules of Professional Conduct, Rules 7.1,
7.2, 7.4
If an attorney holds himself out as certified in a particular
area of law, the certifying organization is a private organization
whose standards for certification are not regulated by the
Commonwealth of Massachusetts. Massachusetts Rules of Professional
Conduct, Rule 7.4(b)
See Massachusetts Rules of Professional Conduct, Rules 7.1,
7.2, 7.4
See Michigan Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Minnesota Rules of Professional Conduct, Rules 7.1, 7.2,
7.4
FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST. Mississippi
Rules of Professional Conduct, Rule 7.4(a)
See Mississippi Rules of Professional Conduct, Rules 7.1, 7.2,
7.4, 7.6
Neither the Supreme Court of Missouri nor The Missouri Bar
reviews or approves certifying organizations or specialist
designations. Missouri Rules of Professional Conduct, Rule 7.4
See Missouri Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Montana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Nebraska Code of Professional Responsibility, DR 2-101
The State Bar of Nevada does not certify any lawyer as a
specialist or expert. Nevada Rules of Professional Conduct, Rule
196(4)
Neither the State Bar of Nevada nor any agency of the State Bar
has certified any lawyer identified here as a specialist or as an
expert. Anyone considering a lawyer should independently
investigate the lawyer's credentials and ability. Nevada Rules of
Professional Conduct, Rule 198(3)(b)
See Nevada Rules of Professional Conduct, Rules 195, 196,
196.5, 198
See New Hampshire Rules of Professional Conduct, Rules 7.1,
7.2,
See New Jersey Rules of Professional Conduct, Rules 7.1, 7.2,
7.4
Certification of a lawyer in a particular area of law by an
organization other than the New Mexico Board of Legal
Specialization does not constitute recognition by the New Mexico
Board of Legal Specialization unless the lawyer is also recognized
by the Board as a specialist in that area of law. New Mexico Rules
of Professional Conduct, Rule 16-704(D)
See New Mexico Rules of Professional Conduct, Rules 16-701,
16-702, 16-704
See New York Code of Professional Responsibility, DRs 2-101,
2-105
See North Carolina Rules of Professional Conduct, Rules 7.1,
7.2,
See North Dakota Rules of Professional Conduct, Rule 7.1
See Ohio Code of Professional Responsibility, DRs 2-101, 2-105
See Oklahoma Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Oregon Code of Professional Responsibility, DR 2-101,
See Pennsylvania Disciplinary Rules of Professional Conduct,
Rules 7.1, 7.2, 7.4, 7.6
The Rhode Island Supreme Court licenses all lawyers in the
general practice of law. The court does not license or certify any
lawyer as an expert or specialist in any field of practice. Rhode
Island Rules of Professional Conduct, Rule 7.4
See Rhode Island Rules of Professional Conduct, Rules 7.1, 7.2,
7.4
See South Carolina Rules of Conduct, Rules 7.1, 7.2, 7.4
See South Dakota Rules of Professional Conduct, Rules 7.1, 7.2,
7.4
See Tennessee Code of Professional Responsibility, DRs 2-101,
2-105
See Texas Disciplinary Rules of Professional Conduct, Rule 7.01
See Utah Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Vermont Rules of Professional Conduct, Rules 7.1, 7.2, 7.4
See Virginia Code of Professional Responsibility, DRs 2-101,
2-104
The Supreme Court of Washington does not recognize the
certification of specialties in the practice of law. Any
certificate, award or recognition by a group, organization or
association used by a Washington attorney to describe his or her
qualifications as a lawyer or in any subspecialty of law is not a
requirement to practice law in the state of Washington. Washington
Rules of Professional Conduct, Rule 7.4
See Washington Rules of Professional Conduct, Rules 7.1, 7.2,
7.4
See West Virginia Rules of Professional Conduct, Rules 7.1,
7.2, 7.4
See Wisconsin Rules of Professional Conduct for Attorneys,
Rules SCR 20:7.1, 20:7.2, 20:7.4
The Wyoming State Bar does not certify any lawyer as a
specialist or expert. Anyone considering a lawyer should
independently investigate the lawyer's credentials and ability,
and not rely upon advertisements or self-proclaimed expertise.
Wyoming Rules of Professional Conduct for Attorneys at Law, Rule
7.2(g)
See Wyoming Rules of Professional Conduct for Attorneys at Law,
Rule 7.2
III. Other Disclaimers and Legal
Information
The Independent Adviser Corporation does not
perform investment banking or other services, for or solicit
investment banking from any entities mentioned on the web site.
The Independent Adviser Corporation, its affiliates, directors,
officers, employees, members, affiliated advisers and employee
benefit programs may have a long or short position in any
securities of an issuer or in related investments.
A copy of our Registered
Investment Adviser Statement is available on our web site.
Your use of this web site is an acknowledgement that you have
received it. You can read it by clicking
here. If you have difficulty reading it, you should make sure
you have the latest version of Adobe
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The Independent Adviser Corporation employs
individual Certified Public Accountants to provide services such
as money management which are not within the definition of
Certified Public Accountancy. The Independent Adviser Corporation
or The-Adviser.com is a not a licensed CPA firm in the State of
New York or in any other state and is not engaged in the practice
of Certified Public Accountancy. None of the information posted on
this site constitutes tax advice You should consult with you tax
adviser before making any taxable related investment decisions. Certain
professional services such as legal advice or certified public
accounting services are provided through our network of third
party professional service firms.
The Independent Adviser Corporation
employs individual practice members of the Financial Planning
Association.
Our web site is for informational purposes
only. Information on the web site was obtained from various
sources; we do not guarantee its accuracy or completeness.
Neither any information nor any opinion
expressed on the web site, constitutes an offer, or an invitation
to make an offer or solicitation, to buy or sell any securities or
any options, futures or other derivatives. Our research reports
are prepared for general circulation and are circulated for
general information only. It does not have regard to the specific
investment objectives, financial situation and the particular
needs of any specific person who may receive this report.
Investors should seek financial advice regarding the
appropriateness of investing in any securities or investment
strategies discussed or recommended in this report and should
understand that statements regarding future prospects may not be
realized. Investors should note that income from such securities,
if any, may fluctuate and that each security's price or value may
rise or fall. Accordingly, investors may receive back less than
originally invested. Past performance is no necessarily a guide to
future performance.
ALL INFORMATION AND CONTENT
ON THE-ADVISER.COM AND THE INDEPENDENT ADVISER CORPORATION'S WEB
SITES ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS,
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OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF
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to copy, distribute, modify, post or frame any text, graphics,
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Links to our site are permitted with notification to us. We
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The-Adviser.com,
The-Adviser, The Independent-Adviser and 1-800-ADVISER are
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This web site is not intended for use
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