Important Disclosure Information and Documents

Click the following links to access important disclosure information:

I. General

II. Client Responsibility

III. Client Portal Access Acknowledgment

IV. Limitations

V. Informational Content (i.e. newsletters, blogs, videos, website, diagrams, indices/historical results, etc.)

VI. Recognitions, Rankings, Certifications, Designations

VII. Quarterly Client Statements, Account Review

VIII. Email

IX. Financial Planning

 Printed version: Our current written disclosure information is available in hard copy upon written request: click here.

Audio version: The written disclosure information is also available in audio. Click below to listen.

 

More information: If you would like additional information about our firm, you may request someone contact you individually.

Questions: Perspective Financial Services, LLC’s Chief Compliance Officer remains available to address any questions regarding anything contained herein. Email info@moneyaz.com



I. General

Perspective Financial Services, LLC (PFS) is an SEC-registered investment adviser located in Phoenix, Arizona. PFS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  PFS’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications and links.  Accordingly, the publication of PFS’s website on the Internet should not be construed by any consumer and/or prospective client as PFS’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation over the Internet.  Any subsequent, direct communication by PFS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  A copy of PFS’s current, written disclosure information discussing its business operations, services and fees is available from PFS upon written request.  PFS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party, whether linked to PFS website or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Certain portions of PFS’s website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, PFS (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).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from PFS, or from any other investment professional.  PFS is neither an attorney nor an accountant; no portion of the web site content should be interpreted as legal, accounting or tax advice.

Past performance may not be 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 PFS), will be profitable, equal any historical performance level(s), or prove successful. Individual account performance information reflects the reinvestment of dividends (to the extent applicable), and is net of applicable transaction fees, PFS’s investment management fee (if debited directly from the account), and any other related account expenses.  Account information is compiled solely by PFS, is independently verified, and does not reflect the impact of taxes on non-qualified accounts.  In preparing this report, PFS relies upon information provided by the account custodian.
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II. Client Responsibility

Reliance on Information Provided: Perspective Financial Services, LLC (PFS) shall rely upon information provided by you (client), and will not verify the accuracy of any such information. Accordingly, in the event that any such information provided is inaccurate or incomplete, the corresponding results or recommendations will be inaccurate or incomplete. Please defer to formal tax documents received from the account custodian for cost basis and tax reporting purposes.

Contact PFS in writing if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add or modify any reasonable restrictions to our investment advisory services. Unless and until notified to the contrary in writing, PFS shall continue to rely on the accuracy of information that you have provided; and we will assume there are no restrictions on our services, other than to manage the account in accordance with your designated investment objective. Return to top.


III. Client Portal Access Acknowledgment

As a client of Perspective Financial Services, LLC (PFS), by signing into your client portal you have elected to participate in the password-protected access portion of PFS’s Internet website.  You understand that your participation will allow you to review certain investment-related information published by PFS.  This password-protected access is made available to clients of PFS free of charge.  This authorization shall continue until canceled in writing.

You understand that the password-protected section is a secure website intended only to allow clients access to information relative to their specific account(s).  You also understand that you will be assigned an individual password.  You agree not to share your password with any other person. You hereby release and hold PFS harmless from any adverse consequences relative to any failure by you to keep the identity of your password secure. Return to top.


IV. Limitations

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to PFS’s website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed in any manner whatsoever, as the receipt of or a substitute for personalized individual advice from PFS, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to PFS’s website, to release and hold harmless PFS, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/their actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from PFS. Return to top.


V. Information and Content (i.e. newsletters, blogs, videos, website, diagrams, indices/historical results, and all future as-yet-undetermined content.)

No portion of any information or content should be construed by a client or prospective client as a guarantee that he/she/they will experience a certain level of results or satisfaction if PFS is engaged, or continues to be engaged, to provide investment advisory services.

Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your PFS account holdings correspond directly to any comparative indices or categories. Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your PFS accounts; and (3) a description of each comparative benchmark/index is available upon request.

Please remember that past performance may not be 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, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by PFS, or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in PFS’s newsletters, brochures and website serves as the receipt of, or as a substitute for, personalized investment advice from PFS.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.  PFS is neither a law firm, nor a certified public accounting firm; no portion of PFS content should be construed as legal or accounting advice. Return to top.


VI. Recognitions, Rankings, Certifications, Designations

Neither rankings nor recognitions by unaffiliated rating services, publications, media or other organizations, nor the achievement of any designation, certification or license, should be construed by a client or prospective client as a guarantee that he/she/they will experience a certain level of results if Perspective Financial Services, LLC (PFS) is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (to the extent possible and applicable, PFS will attempt to include such participation data/criteria within its content). Unless expressly indicated to the contrary, PFS did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of PFS by any of its clients. Return to top.


VII. Quarterly Client Statements, Account Review

Past performance may not be 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 PFS), will be profitable, equal any historical performance level(s), or prove successful. Individual account performance information reflects the reinvestment of dividends (to the extent applicable), and is net of applicable transaction fees, PFS’s investment management fee (if debited directly from the account), and any other related account expenses.  Account information is compiled solely by PFS, is independently verified, and does not reflect the impact of taxes on non-qualified accounts.  In preparing this report, PFS relies upon information provided by the account custodian for cost basis and tax reporting purposes.

Compare this statement with account statements received from the account custodian.  The account custodian does not verify the accuracy of the advisory fee calculation.  Please advise us if you have not been receiving monthly statements from the account custodian.  A copy of our current written disclosure information discussing our advisory services and fees continues to remain available upon request in writing or at www.moneyaz.com/disclosure

Unsupervised/Unmanaged Assets: PFS does not maintain any investment monitoring or performance responsibility for assets and/or accounts designated as unmanaged or unsupervised.  The client and/or its other investment professionals retain exclusive responsibility for the monitoring and performance of such assets and/or accounts. Return to top.

 

VIII. Email

Please note: The information contained in this e-mail message is intended only for the personal and confidential use of the recipient(s) named herein.  If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, please notify us immediately by e-mail, and delete the original message without any review/dissemination thereof.

Please remember to contact Perspective Financial Services, LLC (PFS) in writing if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing, evaluating and revising our previous recommendations and/or services, or if you want to impose, add or modify any reasonable restrictions to our investment advisory services, or if you wish to direct that PFS effect any specific transactions for your account. PFS shall continue to rely on the accuracy of information that you have provided. Be advised that there can be no assurance that any email request will be reviewed and/or acted upon on the day it is received-please be guided accordingly.

Please see additional important disclosure information at www.moneyaz.com/disclosure
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IX. Financial Planning

Perspective Financial Services, LLC (PFS) shall rely upon information provided by you (client) and will not verify the accuracy of any such information. Accordingly, in the event that any such information provided is inaccurate or incomplete, the corresponding results or recommendations will be inaccurate or incomplete. Please defer to formal tax documents received from the account custodian for cost basis and tax reporting purposes.

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 PFS), will be profitable, equal any historical performance level(s), or prove successful. Past performance may not be indicative of future results.

To the extent that any portion of the content reflects assumptions and/or projections, no such content should be construed or relied upon as an absolute probability that such an assumption will prove correct or projected result will occur. To the contrary, a different result (positive or negative) can, and most likely will, occur. Materially different results could occur at any specific point in time or over any specific time period. The purpose of the projections is to provide a guideline to help determine which scenario best meets current and/or anticipated financial situations and/or objectives, with the understanding that either is subject to change, in which event the client should immediately notify PFS so that the above analysis can be repeated

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