This website (“Website”) is a publication Wells Financial Advisors, Inc. (“Wells”) which is registered as an investment adviser with the Commonwealth of Massachusetts and maintains a primary business location in Framingham, MA. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Wells has attained a certain level of skill, training, or ability. The Website is limited to the dissemination of general information pertaining to Wells’ advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Website should not be construed by any client or prospective client as Wells’ solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. Any subsequent, direct communication by Wells with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration as applicable. Each user of this Website (“User”) is encouraged to obtain a copy of Wells’ current Form ADV Part 2 discussing Wells’ business operations, services, fees, and applicable conflicts of interest, which is available from Wells upon request or by searching for Wells at the following link: www.adviserinfo.sec.gov.
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Past performance is not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Wells), will be profitable or equal any historical performance level(s). All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of an investment-management fee, which would decrease historical performance results. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.
Any index performance data appearing or referenced on the Website or linked to the Website has been compiled by the respective copyright holders, trademark holders, or publication/distribution right owners of each index for comparison purposes only. Wells makes no warranty, express or implied, for any decision taken by any party in reliance upon such indices. Investors cannot invest directly in an index.
Certain portions of the Website (e.g. newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to Wells’ (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). While information presented is believed to be factual and up-to-date, Wells does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Wells or from any other investment professional. Users should not use any Website content as the sole basis for any investment decisions. Rather, a professional advisor should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. Wells is neither a law firm nor accounting firm. Any tax and estate planning information provided is general in nature. It is provided for informational purposes only, and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.
Awards, rankings, ratings, and/or recognition by unaffiliated rating services and/or publications are absolutely not indicative of Wells’ future performance or its clients’ investment success; should not be construed by a client or prospective client as a guarantee that such client will experience a certain level of results if Wells is engaged, or continues to be engaged to provide investment advisory services; nor should it be construed as a current or past endorsement of Wells by any of its clients. Rankings published by unaffiliated rating services and/or publications are generally based on information prepared and/or submitted by the recognized adviser. Working with a highly-rated or ranked advisor does not ensure that a client or prospective client will experience a higher level of performance. With respect to references on this Website to “Five Star Wealth Manager,” Crescendo Business Services LLC (d/b/a Five Star Professional), which administers the designation indicates that the “Five Star Wealth Manager” designation is based on evaluation of “10 objective criteria” including: registration status, regulatory complaint history, production of information requested, acceptance of new clients, retention rates, assets under management, number of clients served, educational and professional designations. Information about the Five Star designation and the research/selection methodology is available at www.fivestarprofessional.com. Wealth Managers do not pay a fee to be considered or placed on the final list of “Five Star Wealth Managers.” This designation does not evaluate quality of services provided to clients. The Five Star award is not indicative of Wells’ or its advisers’ future performance. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guaranty that the selected wealth manager will be awarded this accomplishment by Five Star Professional in the future. By considering the “regulatory complaint history,” Crescendo Business Services LLC seeks to ensure that a participating adviser has an established and significant history and record free from regulatory sanctions. The “regulatory complaint history” seeks to confirm that the designated “Five Star Professional” has not: been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or their consumer complaint process; received unfavorable feedback through a check of complaints registered with a regulatory authority or complaints registered through the consumer complaint process; individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; filed for personal bankruptcy; or been convicted of a felony.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.