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Disclosure

Fee-Only Financial Advisor

As fee-only financial advisors, we receive compensation solely in the form of a percentage of assets under management.  We do not receive commissions or compensation from mutual fund companies for using their funds in our clients` portfolios.  This allows us to maintain a totally independent view in regards to the selection of investments.  Our financial interests are aligned with our clients` financial interests.

Relationship with Charles Schwab and Company and T.D. Ameritrade

Charles Schwab and TD Ameritrade are utilized as the custodians for our clients assets. As mentioned above, we receive no compensation or commissions from the custodians for utilizing their services.

No load mutual funds and Exchange Traded Funds (ETF`s)

We search from a universe of over 4,000 no load mutual funds (both of an institutional and a retail variety) to select the investment opportunties which we believe will best serve our clients` asset allocation requirements.  When in the best interest of our clients, we also utilize Exchange Traded Funds. 

Registered Investment Advisor

Foldes Financial Management is registered with the Securities and Exchange Commission (SEC) as an investment advisor.  Registration with the SEC requires the submission of Form ADV I.  This form consists of two separate parts.  The first part (ADV I) contains information to register the application and is used in the SEC`s investment adviser regulatory oversight program.  The second part (ADV II) includes disclosure of the background and business practices of the investment adviser, and is provided to all clients prior to engagement. 

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No Tax, Accounting or Legal Advice

Foldes Financial Management does not provide tax, accounting, or legal advice.