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Full Disclosure

Investment Link, LLC (“Investment Link” or “we” or “our”) owns and operates a website at www.myinvestmentlink.com (“Site”). This Site is designed for residents of the United States only and intended for persons age 18 or older. Products and services mentioned on this Site may not be available in all states. The information provided on this Site or in any communication containing a link to this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Investment Link to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained on this Site constitutes a solicitation or offer by Investment Link to buy or sell any securities or other financial instruments or provide any investment advice or service.

General Disclosure

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of any investment. Investing always involves the risk of loss.

INVESTMENT PRODUCTS AND SECURITIES ARE NOT FEDERALLY OR FDIC INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED BY, ANY FINANCIAL INSTITUTION AND MAY LOSE VALUE. INVESTING INVOLVES RISK AND MAY RESULT IN LOSS OF PRINCIPAL AND FLUCTUATION IN VALUE.

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. ANY EXPECTED RETURNS OR PROJECTIONS ARE FOR ILLUSTRATIVE PURPOSES ONLY, MAY NOT REFLECT THE ACTUAL FUTURE PERFORMANCE, AND ARE NOT ACTUAL CLIENT RETURNS. FURTHERMORE, ANY FORWARD-LOOKING STATEMENTS, INCLUDING WITHOUT LIMITATIONS INVESTMENT OUTCOME AND PROJECTIONS, ARE HYPOTHETICAL IN NATURE. ACTUAL RETURNS WILL VARY GREATLY. ALL INVESTMENTS INVOLVE RISK AND MAY LOSE MONEY.

Investment Link does not provide tax, legal, or comprehensive financial planning. We do not represent in any manner that the outcomes illustrated or described on our Site or any other communication will result in any particular tax consequence. Prospective Clients should confer with their personal tax advisors regarding the tax consequences based on their particular circumstances. Investment Link assumes no responsibility for the tax consequences for any Client of any transaction.

Frequent portfolio rebalancing can lead to unintended consequences and result in:

  • Bid-ask spread expense;
  • Trade executions that may occur at prices beyond the bid ask spread (if quantity demanded exceeds quantity available at the bid or ask);
  • Trading that may adversely move prices, such that subsequent transactions occur at worse prices;
  • Trading that may disqualify some dividends from qualified dividend treatment;
  • Unfulfilled orders or portfolio drift, in the event that markets are disorderly or trading halts altogether;
  • Unforeseen trading errors.

Content Disclosure

Any material available on the Investment Link Site is for general information only. Neither the information nor any views expressed on our Site or any other communication constitutes an offer or an invitation to make an offer, to buy or sell any securities, products or services of any kind; it is not intended to provide personal investment advice and it does not take into account the specific investment objectives, financial situation and the particular needs of any specific person who may receive this material. Statements regarding the strategies and future prospects presented on our Site or any other communication may not be realized. Investors should note that income from securities or other investments, if any, may fluctuate and that price or value of such securities and investments may rise or fall. Accordingly, investors may receive back less than originally invested or lose all value. Any information relating to the tax status of financial instruments discussed on our Site is not intended to provide tax advice or to be used by anyone to provide tax advice. Investors are urged to seek tax advice based on their particular circumstances from an independent tax professional.

Our products and services are designed to aid our users in preparing for their financial future. We do not intend to represent that our products and services are based on, or meant to replace, a comprehensive evaluation of a Client’s entire financial situation and personal portfolio, and can be used in addition to a comprehensive financial planning.

Use of Links

Should the viewer leave this Site via a link contained herein, and view content that is not provided by Investment Link, the viewer does so at its own risk. The content to which you link will not have been developed, checked for accuracy or otherwise reviewed by Investment Link. Investment Link is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. Investment Link makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

Social Media and Emails

Communications by Investment Link through its social media community are for educational and informational purposes and should not be considered a solicitation to buy or sell securities. Any statements made via Investment Link social media sites are not intended as investment, tax, or legal advice. This content is not an offer, solicitation of an offer, or advice to buy or sell securities. Links provided by Investment Link to share via social media and email may include editable pre-populated messages that can be edited or deleted by visitors who are not obligated to send the pre-populated messages. Communications shared via social media or email are not intended to be testimonials or endorsements of Investment Link or its affiliates. Investment Link reserves the right to remove any comment that we deem to be an investment testimonial, spam, offensive or otherwise inappropriate. Investment Link will not treat any social media post as a formal complaint. You agree to hold harmless Investment Link and its affiliates by following Investment Link, posting, or sharing via social media.

Any third-party links provided in our social media are offered as a matter of convenience and are not intended to imply that Investment Link or its employees endorse, sponsor, promote, and/or are affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

Intellectual Property

Investment Link™ and Retirement Buckets™ are the registered trademarks of Investment Link, LLC. Use only in accordance with law. All other product names, logos, and brands are the property of their respective owners. Use of these names, logos, and brands is for identification purposes only, and does not imply endorsement or affiliation.

Performance Disclosures

Actual results may be different for each investor and there can be no guarantee of positive returns.

There can be no assurance that an investment mix or any projected or actual performance shown on this Site will lead to the expected results shown or perform in any predictable manner. It should not be assumed that investors will experience returns in the future, if any, comparable to those shown or that any or all of Investment Link’s Clients experienced such returns. Back-tested hypothetical results can and may differ from actual results had the strategies been deployed in actual securities accounts.

Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Projected performance is intended to show only a possible investment outcomes based on average returns and standard deviation of each investment type contained in the investment mix recommended by Investment Link, but does not take into consideration the effect of taxes, changing risk profiles, or future investment decisions. Projected performance does not represent actual Client accounts or actual trades and may not reflect the effect of material economic and market factors.

The investors may experience different results from any projected results shown. There is a potential for loss, as well as gain, that is not reflected in the projected information portrayed. The projected performance results shown do not represent the results of actual trading using client assets but were achieved by means of the retroactive application of a model designed with the benefit of hindsight. Investors should carefully review the additional information presented by Investment Link as part of any projected comparison.

ETF Selection Disclosures

The securities employed in Investment Link strategies are exchange-traded funds or other publicly registered funds (“ETFs”), which generally are registered investment companies under the Investment Company Act of 1940. Although Investment Link believes its selection process identifies ETFs with high liquidity, low expenses, and low tracking error, Investment Link’s selection process does not guarantee the quality of a particular ETF or that it will 1) be profitable, 2) properly track any comparable index, 3) trade in a liquid fashion, or 4) trade at or above its publicly-posted net asset value.

Investment Link reserves the right to change at any time the selection of ETFs that it recommends. Clients should be aware that changes in the selection of ETFs employed by Investment Link strategies may result in the sale of their existing holdings and may subject them to additional tax liability.

ETF Fee and Performance Disclosure

An ETF typically includes embedded expenses that may reduce its net asset value, and therefore directly affect its performance and indirectly affect a Client’s portfolio performance or an index benchmark comparison. These expenses may include management fees, custodian fees, and legal and accounting fees. ETF expenses may change from time to time at the sole discretion of the ETF issuer.

Furthermore, ETF performance may not exactly match the performance of the index or market benchmark that the ETF is designed to track because 1) the ETF incurs expenses and transaction costs not incurred by any applicable index or market benchmark; 2) certain securities comprising the index or market benchmark tracked by the ETF may, from time to time, temporarily be unavailable; and 3) supply and demand in the market for either the ETF and/or for the securities held by the ETF may cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities owned by the ETF.

Certain ETF strategies may from time to time include fixed income, commodities, foreign securities, American Depositary Receipts, or other securities for which expenses could be higher than otherwise charged for exchange-traded equity securities, and for which market quotations or valuation may be limited or inaccurate.

Clients should be aware that in some limited instances it may be difficult or impossible to trade the Clients’ securities. This liquidity risk may be caused by numerous factors, including but not limited to: 1) extreme market volatility, 2) a decision by exchange participants to withhold some or all of their quoted market bids, 3) exchange technical issues or exchange closure, 4) delisted or halted securities, and/or 5) a position across Client accounts that is large relative to the average daily trading volume of the security.

ANY COMPARISONS TO INDICES ARE PROVIDED FOR ILLUSTRATIVE PURPOSES ONLY. AN INDEX IS A BROADLY DIVERSIFIED, UNMANAGED GROUP OF SECURITIES, WHICH MAY INCLUDE ONLY LARGE CAPITALIZATION COMPANIES OR COMPANIES OF A CERTAIN SIZE. BROADLY BASED INDICES MAY BE SHOWN ONLY AS AN INDICATION OF THE GENERAL PERFORMANCE OF THE FINANCIAL MARKETS DURING THE PERIODS INDICATED. BECAUSE OF THE DIFFERENCES BETWEEN THE CLIENT ALLOCATIONS AND ANY INDICES SHOWN. NO INDEX IS DIRECTLY COMPARABLE TO THE PERFORMANCE SHOWN SINCE EACH INDEX HAS ITS OWN UNIQUE RESULTS AND VOLATILITY, AND SUCH INDICES, IF SHOWN, SHOULD NOT BE RELIED UPON AS AN ACCURATE COMPARISON.

The return, composite and performance information shown on the Site uses or includes information compiled from third-party sources, including independent market quotations and index information. Investment Link believes the third-party information comes from reliable sources, but Investment Link does not guarantee the accuracy of the Site information and may receive incorrect information from third-party providers. Unless otherwise indicated, the information on the Site has been prepared by Investment Link and has not been reviewed, compiled or audited by any independent third-party or public accountant.

Questions

We welcome your inquiries or comments. Please contact us by mail or email:

Investment Link, LLC
6725 Daly Rd # 252491
West Bloomfield, MI 48325
support@invlnk.com

LAST AMENDED DATE:
December 17, 2019

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