Important disclosures

    • This website may include forward-looking statements.  All statements other than statements of historical fact are forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should,” and “expect”).  Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct.  Various factors could cause actual results or performance to differ materially from those discussed in such forward-looking statements.”
    • Views regarding the economy, securities markets or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss to the investor.
    • Any information provided by Adviser regarding historical market performance is for illustrative and education purposes only.  Clients or prospective clients should not assume that their performance will equal or exceed historical market results and/or averages.
    • The material listed in this website is current as of the date noted, and is for informational purposes only, and does not contend to address the financial objectives, situation, or specific needs of any individual investor.  Any information is for illustrative purposes only, and is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances.  Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.
    • Investments in securities, including mutual funds and Exchange Traded Funds, involves risk of loss of income and principal.  Investors should consider carefully information contained in the mutual fund prospectus, including investment objectives, risks, charges and expenses. You can request a mutual fund prospectus.
    • While the Adviser believes the outside data sources cited to be credible, it has not independently verified the correctness of any of their inputs or calculations and, therefore, does not warranty the accuracy of any third-party sources or information.
    • Adviser 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 Adviser’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
    • Each client and prospective client agrees, as a condition precedent to his/her/its access toAdviser’s web site, to release and hold harmless the Adviser its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from the Adviser.
  • Advisory services are offered by Mariaca Wealth Management, LLC., a SEC Registered Investment Advisor. Insurance products and services are offered by Sergio Mariaca, sole proprietor. Mariaca Wealth Management, LLC. and Sergio Mariaca are affiliated entities.
  • Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate risk of investment loss.