Disclaimer 2017-09-01T16:22:01+00:00

Disclaimer

Journey Wealth Partners, LLC, is a Massachusetts registered investment adviser. The firm only transacts business in states where it is properly registered, or excluded or exempted from registration requirements. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly on the Website, will be profitable or equal to any performance levels indicated. Information throughout our site and materials, 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 shall we 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.

The information contained in the Journey Wealth Partners web site is intended for general informational purposes only, and should not be construed as a substitute for consultation with for specific financial planning or investment advice. The information on this web site may not be up to date, is not intended as financial advice and is not intended to, nor does it create a financial planning/investment advisor-client relationship. Furthermore, contact with Journey Wealth Partners via e-mail, the website, the blog or the newsletter does not establish an financial planning/investment advisor-client relationship. No confidential information should be sent via e-mail about a confidential matter without first establishing contact with Journey Wealth Partners and determining if Journey Wealth Partners is able to work with an individual, family or a firm.

This site and all the information contained in the site are the property of Journey Wealth Partners, or OBS or Dimensional Funds and are protected under United States copyright laws.

The information in this site may be considered advertising under the Rules of the Supreme Judicial Court of Massachusetts.

Fee Disclosure 
Journey Wealth Partners charges financial planning and or an investment management fee for its services. Journey may use the services of sub-advisors and they charge investment management and reporting fees . Fees are described on this website and are detailed in the ADVPart II which will be provided upon request.

Risk Factors
As with any investment philosophy, there is a possibility of profitability as well as loss. Higher potential return generally involves greater risk, short term volatility is not uncommon when investing in various types of funds, including but not limited to: sector, emerging markets, small & mid-cap funds. Risks for emerging markets include risks relating to the relatively smaller size and lesser liquidity of these markets, high inflation rates and adverse political developments. Risks for investing in international equity include foreign currency risk, as well as fluctuation due to economic or political actions of foreign governments and/or less regulated or liquid markets. Risks for smaller companies include business risks, significant stock price fluctuation and illiquidity. Real estate investments are affected by changes in real estate values, property taxes, interest rates and regulatory requirements and are subject to heavy reliance on cash flow and concentration in a small number of projects or single sector. Investing in higher-yielding, lower-rated bonds has a greater risk of price fluctuation and loss of principal income than U.S. government securities, such as U.S. Treasury bonds and bills. Treasuries and government securities are guaranteed by the government for repayment of principal and interest if held to maturity. Investors should carefully assess the risks associated with an investment in the fund. International fund unit values and returns will fluctuate with market conditions, currencies, and economic and political climates where investments are made.

Diversification
Diversification seeks to improve performance by spreading investment dollars into various asset classes to add balance to your portfolio. Using this methodology, however, does not guarantee a profit or protection from loss in a declining market. Journey Wealth Partners does not guarantee performance for any investment recommendation. As with any investment strategy there is a possibility of profitability as well as loss.

Index Definitions
Investors cannot invest directly in an index. Indexes have no fees. Historical performance results for investment indexes generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee; the incurrence of which would have the effect of decreasing historical performance results. Actual performance for client accounts may differ materially from the indexes shown. All data provided by Dimensional Fund Advisors. Data is from sources believed to be reliable but cannot be guaranteed.

S&P 500 Index: Index of 500 large-cap companies traded on major U.S. exchanges, as provided by DFA from Standard & Poor’s Index Services Group. CRSP 6-10 Index: Deciles 6-10 from the Center for Research in Security Prices at the University of Chicago. NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973). F/F U.S. Large Value Index: Provided by Fama/French from CRSP securities data. Simulated strategy of the upper-half market cap, upper 30% book-to-market NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities. F/F U.S. Large Growth Index:Provided by Fama/French from CRSP securities data. Simulated strategy of the upper-half market cap, lower 30% book-to-market NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities. F/F U.S. Small Value Index: Provided by Fama/French from CRSP securities data. Simulated strategy of the lower-half market cap, upper 30% book-to-market NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities. F/F/U.S. Small Growth Index: Provided by Fama/French from CRSP securities data. Simulated strategy of the lower-half market cap, lower 30%book-to-marketNYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities.

Asset Class Disclosure
Past performance is no guarantee of future results. Investors cannot invest directly in an index. Indexes have no fees. Historical performance results for investment indexes generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results. Actual performance for client accounts may differ materially from the index portfolios. DFA creates mutual funds that attempt to capture the asset classes that these indexes track. The portfolio strategy is to encompass the distinct assets classes by constructing portfolios utilizing the applicable DFA mutual funds. As with any investment strategy, there is a potential for profit as well as the possibility of loss.

Data is from sources believed to be reliable but cannot be guaranteed or warranted. CRSP is the Center for Research in Security Prices located at the University of Chicago.
US Large = S&P 500 Index: Index of 500 large-cap companies traded on major US exchanges, as provided by DFA from Standard & Poor’s Index Services Group.
US Large Value = F/F US Large Value Index: Provided by Fama/French from CRSP securities data. Simulated strategy of upper-half market cap, upper 30% book-to-market NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities.
US Small = CRSP 9-10 Index: Deciles 9-10 NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973). Provided by CRSP.
US Small Value = F/F US Small Value Index: Provided by Fama/French from CRSP securities data. Simulated strategy of lower-half market cap, upper 30% book-to-market NYSE (plus AMEX equivalents since July 1962 and NASDAQ equivalents since 1973), excluding utilities.
REIT = DJ Wilshire REIT Index: Measures U.S. publicly traded Real Estate Investment Trusts. Dow Jones Wilshire index provided by Dow Jones Indexes.
Int’l Large Value = F/F Int’l Value Index: Provided by Fama/French from MSCI securities data. Simulated strategy of MSCI EAFE countries in the upper 30% book-to-market range.
Int’l Small = DFA Int’l Small Cap Simulated Index: 1970-June 1981: 50% UK Small Cap Index and 50% Japan Small Cap Index. July 1981-present: Simulated by DFA from StyleResearch securities data. Includes securities of MSCI EAFE countries in the 10%-1% of ME range; market cap weighted; each country is capped at 50%; rebalanced semi-annually.
Int’l Small Value = DFA Int’l Small Value Simulated Index: Simulated by Dimensional from StyleResearch securities data. Includes securities of MSCI EAFE countries in the top 30% of book-to-market in the 10%-1% ME range: market cap weighted; each country is capped at 50%; rebalanced semiannually.
Emerging Markets = MSCI Emerging Markets Index: Gross dividends reinvested (in US dollars). A free float-adjusted market cap index that is designed to measure equity market performance in the global emerging markets.
Emerging Markets Value = F/F Emerging Value Index: Provided by Fama/French from IFC securities data. Simulated strategy of International Finance Corp. investable universe countries in the upper 30% book-to-market range; companies weighted by float-adjusted market cap; countries weighted by country float-adjusted market cap; rebalanced monthly.
Emerging Markets Small = F/F Emerging Small Cap Index: Provided by Fama/French from IFC securities data. Simulated strategy using International Finance Corp. investable universe countries. Companies in the bottom 30% of aggregate market cap; companies weighted by float-adjusted market cap; countries weighted by country float-adjusted market cap; rebalanced monthly.
1 Year Treas = ML 1-Yr T-Note Index: Merrill Lynch One-Year US Treasury Note Index provided by DFA.
5 Year Treas = 5-Yr T-Note Index: Ibbotson Intermediate Five Year Treasury notes provided by DFA.