The information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site are provided "as is" and solely for informational, illustrative, discussion, and convenience purposes.

 

The opinions presented on this Web site are solely those of the Dennis L. Roubal, CFP®, CRPS®, RIA, the owner and principal of Financial Growth Concepts (FGC).

 

While the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site are believed to be from reputable sources, and a sincere effort to ensure the accuracy, reliability, and completeness of them has been made, they are provided "as is" and no warranty is expressed or implied.

 

As with any human endeavor, there will be omissions, inaccuracies, and errors—including, but not limited to, typographical errors—in the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site, hereinafter referred to as "content," and the author makes no representations or warranties with respect to the accuracy, timeliness, suitability, reliability, relevance, or completeness of the content presented, or that the content presented will produce any particular result or be suitable for any particular situation, person, organization, or other entity.

 

The author assumes no responsibility or liability for any injuries, damages, losses, or other adverse consequences that may result from the use of the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site.

 

Portions of this Web site contain archives of information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites from the past that, due to a variety of factors—including, but not limited to, fluctuating market and economic conditions—may no longer be up-to-date, relevant to current conditions, or reflective of current thinking.

 

Some of the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites may contain forward-looking information that is based on speculation and assumption, and is replete with risk and uncertainty.

Such forward-looking content may—or may not—be recognizable or indicated by certain key words, including, but not limited to:

• Intend	• Aim	• Will	• May
• Predict	• Hope	• Point	• Likely
• Believe	• Expect	• Indicate	• Position
• Optimistic	• Anticipate	• Forecast	• Probably

 

 

The activities associated with the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites, hereinafter referred to as "content," presented on this Web site are by their very nature inherently risky—including, but not limited to, fluctuating values, even loss of principle—and the content presented can not take the place of good personal judgment, sound decision-making, professional training, and expert guidance from trained and experienced professionals.

 

Hyperlinks to Web sites mentioning, discussing, recommending, or endorsing a particular stock, mutual fund, bond, or other financial investment instrument shall not be construed or interpreted, in a direct or indirect way, as a solicitation to sell, or offer to sell, personalized investment advisory services, securities, or other investment products by Dennis L. Roubal, CFP®, CRPS®, RIA, or Financial Growth Concepts (FGC).

Furthermore, while hyperlinked Web sites are believed to be from reputable sources, such Web sites may contain—currently or in the future—information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites that are promissory, misleading, inflammatory, exaggerated, or otherwise inappropriate, unethical, or illegal.

 

The use of any calculators, utilities, or devices on this Web site, or a hyperlinked Web site presented on this Web site, should not be construed or interpreted, in a direct or indirect way, as a substitute for personalized advice from an investment professional.

 

Those who access or view this Web site and the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site do not become clients of Dennis L. Roubal, CFP®, CRPS®, RIA, or Financial Growth Concepts (FGC), and nothing in this Web site shall be construed, directly or indirectly, as creating a financial planner- or financial advisor-client relationship.

 

Dennis L. Roubal, CFP®, CRPS®, RIA, is neither an attorney nor an accountant, and none of the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented on this Web site should be construed or interpreted, in a direct or indirect way, as legal, accounting, or tax advice.

 

Those who access or view this Web site should not rely on the information, ideas, commentaries, newsletters, articles, publications, hyperlinks to other Web sites, and inverse hyperlinks importing material from other Web sites presented to plan, invest, insure, or take any action or inaction with respect to their assets or lives.

Before those who access or view this Web site plan, invest, insure, or take any action or inaction with respect to their assets or lives, they should discuss such plan, investment, insurance, action, or inaction with a competent and trusted professional to determine if it fits their particular situation and would be in their own best interest.

 

Fee-only, financial-planning, and investment-advisory services are offered through Dennis L. Roubal, CFP®, CRPS®, RIA, owner and principal of Financial Growth Concepts (FGC), a registered advisory firm in the state of Michigan.