2016 VESTA Wealth Management disclaimers

© 2016 VESTA Wealth Management, LLC. All rights reserved.

CFA® and Chartered Financial Analyst® are trademarks owned by the CFA Institute.
CFP® is a certification mark owned by Certified Financial Planner Board of Standards, Inc.
CIMA® is a registered certification mark of the Investment Management Consultants Association, Inc. in the United States of America and worldwide.

IRS Circular 230 Disclosure: We do not provide tax or legal advice. Pursuant to IRS Regulations, please note that (i) any discussion of tax matters contained in this communication (including any attachments) cannot be used for the purpose of avoiding tax penalties; (ii) this communication was written to support the promotion or marketing of the matters addressed herein; and (iii) you should seek advice based on your particular circumstances from independent tax and legal advisors.

This was prepared as an estimate and for informational purposes only. It is not an official confirmation of terms. The information presented was obtained from various sources; it is believed to be reliable but is subject to change at any time without notice. No representation is made that it is accurate or complete or that any returns indicated will be achieved.

Changes to assumptions may have a material impact on returns. Past performance not indicative of future results. Prices, yields, and availability are subject to change without notice. Additional information available upon request. This is neither an offer to sell nor a solicitation of any offer to buy a new issue security. Yield quotes are for illustration purposes only and do not necessarily reflect current market conditions.

Investments in fixed income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk and special tax liabilities.
Investments in municipal bonds are subject to market risk and interest rate risk. May also be subject to special tax liabilities such as state and local taxes and/or the Alternative Minimum Tax. Municipal bond insurance shall not be misconstrued as a guarantee of repayment of principal and/or interest.

Non-deposit investment products NOT FDIC-INSURED/NO BANK GUARANTEE/MAY LOSE VALUE. Subject to availability and change in price. Availability of products and services may vary by jurisdiction.

Although no payments are made on zero coupon bonds until they mature, investors may have to pay federal, state, and local income tax on the imputed or “phantom” interest that accrues each year. The market value of zero coupon bonds may fluctuate significantly.

Brokered CDs sold in the secondary market are subject to market conditions and if sold prior to maturity may return less than your original investment. In the event a CD purchase is made in the secondary market at a premium price over par (100) the premium is not FDIC insured. Upon maturity, a CD originally purchased at a premium will return the par value (100) of the investment.