Nicolette Financial Advisors LLC, hereafter referred to as Nicolette Financial, is an LLC formed under the laws of the Commonwealth of Virginia,and is a duly registered investment advisor in the Commonwealth of Virginia under the Investment Advisors Act of 1940. Nicolette Financial is in compliance with the current filing requirements imposed upon registered investment advisers by those states in which Nicolette Financial maintains clients. Nicolette Financial may only transact business in those states in which it is registered,or qualifies for an exemption or exclusion from registration requirements.

Nicolette Financial may transact business or render personalized investment advice in those states where it is registered/filed notice or otherwise excluded or exempt from registration requirements.

Nicolette Financials’ website is limited to the dissemination of general information pertaining to its financial, investment, and tax advisory services, together with access to additional investment-related information publications, and links. Accordingly, the publication of Nicolette Financials’ website on the internet should not be construed by any consumer and/or prospective client as Nicolette Financials’ 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 Nicolette Financial 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.

Nicolette Financial 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 Nicolette Financials’ 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.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

Historical performance results for investment indices and/or categories 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.

Certain portions of Nicolette Financials’ website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Nicolette Financials’ (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 Nicolette Financial or from any other investment professional. Nicolette Financial is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting, or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Nicolette Financials’ 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 Nicolette Financial, or from any other investment professional.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.