Investment Advisory services offered through Capital Financial Advisory Group, LLC. Capital Financial Advisory Group and Capital Financial & Insurance are affiliated. Important information: Capital Financial Advisory Group, LLC provides general information on this website, not individually targeted personalized advice. Advice from Capital Financial Advisory Group, LLC found on this site does not take into account any investor’s particular investment objectives, financial situation and personal needs. Investors should assess for themselves whether the advice is appropriate to their individual investment objectives, financial situation and particular needs before making any investment decision on the basis of such general advice. Investors can make their own assessment of the advice or seek the assistance of a professional adviser with Capital Financial Advisory Group LLC. Investing entails some degree of risk. Investors should inform themselves of the risks involved before engaging in any investment. Capital Financial Advisory Group, LLC endeavors to ensure accuracy and reliability of the information provided but does not accept any liability whatsoever, whether in tort or contract or otherwise, for any loss or damage arising from the use of Capital Financial Advisory Group, LLC data and systems. Past performance is not necessarily indicative of future results. Information and advice provided here is not an offer to buy or sell securities. Before commencing an investment program we recommend you seek independent professional legal, tax and investment advice as to whether it is suitable for your particular needs and circumstances. Failure to seek detailed professional, personally tailored advice prior to acting could lead to you acting contrary to your own best interests and could lead to losses of capital. The information received by subscribers is for their personal use. Investing involves a great deal of risk, including the loss of all or a portion of your investment, as well as emotional distress. Nothing contained herein should be construed as a warranty of investment results. All risks, losses and costs associated with investing, including total loss of principal, are your responsibility. All information provided or contained in this Web site is the property of Capital Financial Advisory Group, LLC, and should not be reproduced, copied, redistributed, transferred, or sold without the prior written consent of Capital Financial Advisory Group, LLC. All rights reserved. Before deciding on an annuity, you should consider your income needs, risk tolerance and investment objectives. Capital Financial & Insurance, LLC can help you decide if annuities are a suitable investment and can help you pick the correct annuity. Guarantees are subject to the claims paying ability of the annuity provider. They do not apply to the investment performance or safety of the underlying investment options. Please note any annuity is not a deposit, not FDIC or NCUSIF insured, not guaranteed by Capital Financial & Insurance, not insured by any federal government agency and could lose value. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company.
SmartVestor™ is an advertising service for investing professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (RS). When you provide your contact information through the SmartVestor site, RS will introduce you to up to five investing professionals (“Pros”) that are in your geographic area. It is up to you to interview the Pros and decide whether you want to hire them. If you decide to hire a Pro, you will enter in an agreement directly with that Pro to provide you with investment advisory services. The Pros sign a Code of Conduct under which they agree to certain general investment principles, such as eliminating debt and investing for the longer-term, that are consistent with the Dave’s philosophy, but RS does not monitor or control the investment advisory services the Pros provide. The Pros have entered into an arrangement with RS under which they pay RS a flat monthly fee to advertise their services in the SmartVestor Program and receive contact information for prospective investment advisory clients. The fees paid by the SmartVestor Pros to RS are paid irrespective of whether you become a client of a Pro that advertises through SmartVestor, and are not passed along to you. However, the presence of these arrangements may affect a Pro’s willingness to negotiate below its standard investment advisory fees, and therefore may affect the overall fees paid by clients introduced by RS through SmartVestor. Please ask your Pro for more information about their fees. RS is not affiliated with any Pros and neither RS nor any of its representatives are authorized to provide investment advice on behalf of a Pro or to act for or bind Pro. No investment advisory agreement with Pro will become effective until accepted by such Pro. Neither Ramsey Solutions nor its affiliates are engaged in providing investment advice. Ramsey Solutions does not receive, control, access or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of SmartVestor, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. The contact links provided connect to third-party sites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites.
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2. We will not be liable for any delays in the receipt of any SMS messages as delivery is subject to effective transmission from your mobile service operator. SMS MESSAGE SERVICES ARE PROVIDED ON AN “AS IS” BASIS, AND WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, AND ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY DISCLAIMED.
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5. By subscribing or otherwise using the service, you acknowledge and agree that we will have the right to change and/or terminate the service at any time, with or without cause and/or advance notice.
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Peter J. D’Arruda, MRFC®, RICP®, is a Registered Financial Consultant and Investment Advisor Representative, and is Manager and Founding Principal of Capital Financial Advisory Group, LLC in Apex, North Carolina.
