Policies & Disclosures

Your use of this Website is acknowledgement that you have read and understood this complete page.

The purpose of this site is to provide information.  Our services are not completely described here and you should contact us directly if you are interested in knowing about or using our investment advisory services.

We are Registered Investment Advisor in the state of California.

We provide investment information that we believe to be useful and accurate.  However, there cannot be any guarantees.  There are many different interpretations of investment statistics and many different ideas about how to best use them.  None of these offer guarantees.  However, we believe that formula-based (quantitative) investing is the best of these.

We also provide links to information that we also believe to be useful and accurate.  However, we have no control over this off-site information and cannot guarantee its accuracy.

Below is the lawyers way of saying all this, plus a little more.  Your use of this Website is acknowledgement that you have read and understood the disclaimer.

DISCLAIMER: THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED INTERNET SITE.

Nothing on this site should be interpreted to state or imply that past results are an indication of future performance. This site does not constitute a complete description of our investment services and is for informational purposes only. It is in no way a solicitation or an offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Information throughout this internet site, whether stock quotes, charts, articles, or any other statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Neither our information providers nor we shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. All investments involve risk, including foreign currency exchange rates, political risks, different methods of accounting and financial reporting, and foreign taxes.

DISCLAIMER: THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED INTERNET SITE. At certain places on this Retirement Wealth Advisors, Inc’ Internet site, live ‘links’ to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Retirement Wealth Advisors, Inc. Retirement Wealth Advisors, Inc does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Retirement Wealth Advisors, Inc. Your use of this site is acknowledgment that you have read and understood the full disclaimer. Past performance does not guarantee future results.

WARNING: Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that investors’ shares, when sold, may be worth more or less than their original cost. Investing in any equity, mutual fund, index or actively managed, does not guarantee that an investor will make money, avoid losing capital, or indicate that the investment is risk-free. There are no absolute guarantees in investing. When reviewing any back tested performance information on this internet site, please read the Disclosure for Back tested Performance Information below:

1. Retirement Wealth Advisors, Inc. (RWA) was incorporated in May 2005 and placed its first independent client investments in late 2006. The performance information presented in the chart or table represents back tested performance based on combined simulated strategy data and live (or actual) client results from December 31, 1999 to period ending date shown using the strategy of buying, holding and monthly rebalancing globally diversified portfolios of stocks and exchange traded index funds. Back tested performance is hypothetical (it does not reflect trading in actual accounts) and is provided for informational purposes to indicate historical performance had the investment strategies or model portfolios been available over the relevant period. RWA did not offer the managed portfolios until 2006. Prior to 2006, RWA did not manage client assets. Client portfolios are monitored and rebalanced, taking into consideration risk exposure consistency, transaction costs, and tax ramifications to maintain target asset allocations as shown model portfolios.  RWA manages client assets via a sub-advisory agreement with Retirement Wealth Advisors, an SEC Registered Investment Advisor located in Michigan.  Retirement Wealth Advisors,  has created the following allocation models:

Aggressive FormulaFolio
Moderate Aggressive FormulaFolio Moderate FormulaFolio
Moderate Conservative FormulaFolio
Conservative FormulaFolio

Returns used to create these models is available from TimerTrac.com and is used without guarantee or warranty from Retirement Wealth Advisors, as to the completeness or accuracy.  Retirement Wealth Advisors is not under common ownership as RWA and is indemnified from liability with respect to clients of RWA.

2. Back tested performance does not represent actual performance and should not be interpreted as an indication of such performance. Actual performance for client accounts may be materially lower than that of the model portfolios.

Back tested performance results have certain inherent limitations. Such results do not represent the impact that material economic and market factors might have on an investment adviser’s decision-making process if the adviser were actually managing client money. Back tested performance also differs from actual performance because it is achieved through the retroactive application of model portfolios (in this case, RWA’s FormulaFolios) designed with the benefit of hindsight. As a result, the models theoretically may be changed from time to time to obtain more favorable performance results.