Certain information provided on the UNest Advisers, LLC (“UNest”) website is based on third-party sources, which information, although believed to be accurate, has not been independently verified. UNest assumes no liability for errors and omissions in the information contained herein. This website information is provided for informational purposes only.
The presentations included on this website may contain “forward-looking statements” based on UNest’s beliefs and assumptions concerning future events based on information currently available to UNest. Current and prospective clients are cautioned not to put undue reliance on such forward-looking statements, which are not a guarantee of future performance and are subject to a number of uncertainties and other factors, many of which are outside UNest’s control, which could cause actual results to differ materially from such statements. Any forward-looking statements speak only as of the date they are made, and UNest assumes no duty to and does not undertake to update forward-looking statements.
Hypothetical Performance Disclosure (anywhere projected growth is shown)
The performance results for UNest’s investment account is based, in part, upon certain hypothetical assumptions that UNest has compiled. Hypothetical performance results may have inherent limitations, some of which are described below. No representation is being made that an investment account will or is likely to achieve profits or losses similar to those shown. In fact, there are frequently significant differences between model or forward-looking projections and performance results subsequently achieved by following a particular strategy. These returns should not be considered indicative of the skills of the investment adviser. Actual client account performance may vary based on each account’s setup and activity. Investments in an investment account involve risk, including the loss of principal.
Hypothetical Projections Presented Net of Membership Fees
In cases where the UNest website and mobile application present hypothetical growth projections, the projections may show the hypothetical growth of investment accounts. In most cases, the monthly membership fee is not deducted from the investment account, but in certain situations, it may be. Therefore any hypothetical projections are shown assuming the monthly membership fee has been deducted. The net-of-fee projections do not reflect the reinvestment of dividends and other earnings.
Performance results will vary based on when an investor invested during the measured period. Past performance is not indicative of future results.
Benchmark Definitions and Disclosures
The SPDR S&P 500 Trust is an exchange-traded fund that seeks to track the investment results that generally correspond to the price and yield of the common stocks that comprise the S&P 500 index. SPDR is an acronym for the Standard & Poor’s Depository Receipts, the former name of the exchange-traded fund. Its ticker symbol is SPY.
The iShares Core U.S. Aggregate Bond ETF is an exchange-traded fund that seeks to track the investment results of an index composed of the total U.S. investment-grade bond market. This investment vehicle provides broad exposure to U.S. investment-grade bonds and can be used to diversify a portfolio with a fixed-income component to seek stability and produce income. Its ticker symbol is AGG.
A blended benchmark of SPY and the AGG [9.83% & 0.85% based on 10-year performance from October 2009 to October 2019]. For comparison, the S&P 500 returned 10.8% over the same period, according to https://dqydj.com/sp-500-return-calculator/. The numbers represented there exclude inflation and dividends.
You cannot invest directly in an index, which also does not take into account trading commissions and costs. The volatility of the indexes may be materially different from the performance of any UNest investment account. The SPY, AGG, or a blend of the two are included merely to show the general trend in the broad equity and bond [fixed income] markets for the periods indicated and are not intended to imply that any portfolio is similar to an index either in composition or element of risk. The indexes are unmanaged and an investment cannot be made directly into any index or blended benchmark presented.
Past performance is no guarantee of future results. SEC registration does not imply a certain level of skill or training.
Blogs on the UNest Website
Blogs and articles contain the current, good-faith opinions of the authors but not necessarily those of UNest. The documents are meant for educational purposes only and should not be considered as investment advice or a recommendation of any type. The documents may contain forward-looking statements.
Important UNest Crypto LLC Disclosure
Any and all offers related to cryptocurrency are made by UNest Crypto, LLC. This is not an offer to buy or sell any securities or invest in any particular strategy. This offer is not affiliated with UNest Advisors, LLC or UNest Securities, LLC.
Cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance. Crypto Investing involves significant risk, including but not limited to market swings, flash crashes. Cryptocurrency markets and exchanges are not regulated with the same controls and protections as equity trading.
UNest Crypto accounts are not UTMA/UGMA’s. They are individual brokerage accounts in your name and are treated as such for tax reporting and legal purposes. See our full crypto Risk Disclosure here.
Investing involves risk and investments may lose value. Please consider your investment risk tolerance, objectives and UNest pricing before investing. Past performance does not guarantee or indicate future results. Investment outcomes and projections are hypothetical in nature. UNest does not provide tax advice.
Disclosures related to your brokerage account with UNest Securities, LLC.
Rule 606 Disclosure
Brokerage services are provided to clients of UNest Advisers, LLC. via a registered broker-dealer, UNest Securities, LLC. UNest Securities, LLC. directs orders to Apex Clearing Corporation, Inc., our custodian and clearing agent (Apex), for execution. Apex makes any and all order routing decisions on orders submitted by UNest Securities, LLC. Apex routes 100% of our orders to broker-dealers or market centers for execution. The market centers where Apex routes orders may include dealers who make markets in these securities. You may view the quarterly 606 reports for Apex to learn more about their order routing practices.
Order Routing Disclosure
Depending on the security traded and absent specific direction from the Customer, orders are routed to market centers (i.e., broker-dealers, primary exchanges, or electronic communication networks) for execution. Routing decisions are based on several factors, including the size of the order, the opportunity for price improvement, and the quality of order executions, and decisions are regularly reviewed to ensure the duty of best execution is met. UNest Securities, LLC., as the Introducing Broker, may receive compensation or other consideration in circumstances where Apex places orders with market centers for execution. The amount of the compensation depends on the agreement reached with each venue. The source and nature of compensation relating to the Customer’s transactions will be furnished upon written request from Apex. Apex executes orders based on their own best execution procedures.