Canter Strategic Wealth Management, LLC d/b/a Canter Wealth, (“Canter Wealth”) is a Registered Investment Advisor. All persons using the Canter Wealth website (“Site”) expressly agree to this disclaimer as a pre-condition to using this Site for any purpose whatsoever. The materials on the Site including, without limitation, news articles, informational data, and all other firm-specific information, are for informational purposes only and do not constitute financial, legal, tax or any other advice. All information reflected here is provided “as is” and Canter Wealth expressly denies making any direct or implied warranties concerning the fitness of content contained herein for any particular usage, its merchantability, or its application or purpose. Before making any investment or hiring any investment manager, investors should consult with a professional financial advisor, legal, and tax advisor to aid in due diligence as proper for their situation, to decide the suitability of the risk associated with any investment. In no event shall Canter Wealth be responsible or liable for the accuracy of any such material or any damage or lost opportunities resulting from the use of this data.
By using this website, you understand the information being presented is provided for informational purposes only. The information contained herein, including but not limited to research, market valuations, calculations, estimates, and other material was obtained from sources are believed to be reliable. However, Canter Wealth does not warrant its accuracy or completeness. Site materials are provided for informational purposes only. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Canter Wealth provides investment advisory and planning services to investors who become Clients under a written agreement. Canter Wealth does not provide tax or legal advice and does not represent in any manner that the outcomes described herein will result in any particular tax or legal consequence. Investors must make their own financial and planning decisions based on their specific due diligence, investment objectives, financial, and individual circumstances.
All investing involves risk, including the potential loss of money invested. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns; periodic investment plans do not assure a profit and do not protect against loss in declining markets. Investors should consider their financial ability to bear an investment in any security. Diversification does not eliminate the risk of market loss; historical returns, expected returns, and probability projections reflected herein are provided for informational and illustrative purposes only. Past performance is not indicative of future results.
Canter Wealth’s website and affiliated companies may include links to third-party websites. These links allow you to exit Canter Wealth’s website and enter third-party websites; they are provided only as a convenience. Linked websites are not reviewed, controlled, examined, sponsored, or endorsed by Canter Wealth. Canter Wealth assumes no liability for any inaccuracies, errors, or omissions in or from any data or other information provided on such pages. Please review further details on third-party website hyperlinks, here: https://canterwealth.com/disclosure/#hyperlinks
Canter Strategic Wealth Management, LLC d/b/a Canter Wealth (“Canter Wealth”) is a Registered Investment Advisor under the Investment Advisers Act of 1940, as amended. The Firm operates a website @ www.canterwealth.com. Nothing on this Site should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Financial advisory services are only provided to investors who become Canter Wealth Clients (“Clients”) under a written Client Agreement, which investors are urged to read and carefully consider determining whether such agreement is suitable for their facts and circumstances.
Canter Wealth’s latest Form ADV and Part 2 Brochures may be viewed on the SEC’s Investment Advisor Public Disclosure page at www.adviserinfo.sec.gov/IAPD/IAPDFirmSummary.aspx?ORG_PK=167828.
Business Continuity Plan
Canter Wealth’s Business Continuity Plan may be viewed here: http://canterwealth.com/wp-content/uploads/2017/11/CSWM-Business-Continuity-Plan-2017.pdf
Canter Wealth Process
Canter Wealth’s method of analysis is fundamental. Canter Wealth provides customized investment recommendations and assists Clients in creating an Investment Policy Statement (“IPS”) based on each Client’s specific circumstances, including but not limited to: based on risk tolerance, investment goals, cash flow needs, liquidity requirement, stated objectives, and potential tax considerations. Once an IPS and investment strategy or asset allocation have been determined, Canter Wealth will select asset fund managers within each asset class that has met certain criteria as determined by Canter Wealth’s Investment Committee.
Canter Wealth’s Investment Committee evaluates the potential asset managers by employing both qualitative and quantitative analysis. Our qualitative and quantitative research focuses on evaluating the performance, fees, investment process, portfolio management team, research capabilities, trade execution, business operations, compliance, and risk management.
Fee & Account Disclosures
Recommendations and fees may vary for each Client. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in Canter Wealth’s Form ADV Part 2). Canter Wealth does not make any representations regarding the execution quality of orders placed with our brokerage partner. However, Canter Wealth does monitor the execution quality of transactions to ensure that Clients receive the best overall trade execution under regulatory requirements.
Past performance is no guarantee of future results, and any expected returns or hypothetical projections may not reflect actual future performance. Furthermore, past returns may reflect the performance of assets for a finite time, or during a period of extreme market activity. All investments involve risk and may lose money. There can be no assurance that an investment mix or any projected or actual performance shown herein will lead to the expected results shown, or perform in any predictable manner. It should not be assumed that investors will experience returns in the future, if any, comparable to those shown or that any or all of Canter Wealth’s Clients experienced such returns.
Performance information is presented net of all management fees and expenses unless marked otherwise. Commissions are not considered since Clients on the Canter Wealth platform are not charged trading commissions. For all periods the performance information includes the reinvestment of dividends and interest unless otherwise noted.
Any comparison to traditional financial advisors is based on an evaluation of average fees and returns. Actual results may be different for each investor, and there can be no guarantee of enhanced returns due to additional diversification, investment selection, or the use of Canter Wealth’s investment management service.
Projected and hypothetical performance is intended to show only an expected range of possible investment outcomes based on historical average returns and standard deviation of each investment type contained in the investment mix recommended by Canter Wealth but does not take into consideration the effect of taxes, changing risk profiles, or future investment decisions. Projected and hypothetical performance does not represent actual Client accounts or actual trades and may not reflect the effect of material economic and market factors. The actual transaction costs in Client accounts may be different.
Actual investors of Canter Wealth may experience different results from any hypothetical results shown. There is a potential for loss, as well as gain, not reflected in the hypothetical information portrayed. The hypothetical performance results shown do not represent the results of actual trading using Client assets but were achieved using the retroactive application of a model designed with the benefit of hindsight. Investors should carefully review the additional information presented by Canter Wealth as part of any hypothetical comparison.
Any comparisons to indices are presented to provide you with an understanding of their long-term historical performance and are not presented to illustrate the performance of any security. The inclusion of market or composite indexes, benchmarks, or other measures of relative performance in the various risk/return charts does not imply that such indexes are appropriate performance measures for a Client’s portfolio, but rather are used solely to illustrate the risk and return characteristics of select market indexes during the period. An index’s performance does not reflect the deduction of transaction costs, management fees, or other costs which would reduce returns. References to market or composite indexes, benchmarks, or other measures of relative market performance (indexes) over a specified period are provided for information only and do not imply that a portfolio will achieve similar returns, volatility or other results. The composition of an index may not reflect the way a portfolio is constructed about expected or achieved returns, portfolio guidelines, restrictions, sectors, correlations, concentrations, volatility, or tracking error targets, all of which may change over time. An investor cannot invest directly in an index. Because of the differences between the Client allocations and any indices shown, Canter Wealth cautions investors that no index is directly comparable to the performance shown since each index has its unique results and volatility, and such indices if shown, should not be relied upon as an accurate comparison.
The above list is not inclusive; additional performance disclosures and risk data are available, upon request. Please contact your Canter Wealth Investment Advisor Representative to discuss this matter further.
Date of Last Review: January 2018
Canter Wealth requires Clients (“customers”) to provide current and accurate financial and personal information. Canter Wealth will protect the information customers have provided in a manner that is safe, secure, and professional. Canter Wealth and its employees are committed to protecting customer privacy and to safeguarding that information.
Safeguarding Customer Documents
Canter Wealth collects non-public customer data in checklists, forms, in written notations, and documentation provided to us by our customers for evaluation and related investment advisory services. The firm also creates internal lists of such data.
During regular business hours, access to Client records is monitored so that only those with approval may access files. During hours in which the Firm is not in operation, customer records are locked. No individual who is not so authorized shall obtain or seek to obtain personal and financial customer information. No individual with authorization to access personal and financial customer information shall share that information in any manner without the specific consent of a firm principal. Failure to observe Canter Wealth’s procedures regarding customer and consumer privacy will result in discipline and may lead to termination.
Sharing Nonpublic Personal & Financial Information
Canter Wealth is committed to the protection and privacy of its customers’ personal and financial information. Canter Wealth will not share such information with any affiliated or nonaffiliated third party except:
- When necessary to complete a transaction in a customer account, such as with the
clearing firm or account custodians;
- When required to maintain or service a customer account;
- To resolve customer disputes or inquiries;
- With persons acting in a fiduciary or representative capacity on behalf of the customer;
- With rating agencies, persons assessing compliance with industry standards, or to the attorneys, accountants, and auditors of the firm;
- In connection with a sale or merger of Canter Wealth business;
- To protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims or other liability;
- To comply with federal, state or local laws, rules and other applicable legal requirements
- In connection with a written agreement to provide investment management or advisory services when the information is released for the sole purpose of providing the products or services covered by the agreement; In any circumstances with the customer’s instruction or consent; or
- Under any other exceptions enumerated in California (or another state, as applicable) Information Privacy Act. *
It is not a policy of Canter Wealth to share nonpublic personal and financial information with affiliated or unaffiliated third-parties except under the circumstances noted above. Since sharing under the circumstances noted above is necessary to service customer accounts or is mandated by law, there are no allowances made for Clients to opt out.
Information for California Customers*
In response to a California law, Canter Wealth automatically treat accounts with California billing addresses as if California Clients do not want to disclose personal information to nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of personal information about Clients with our affiliates to comply with all California privacy laws that apply to us.
Investment advisers who exercise voting authority concerning Client securities must adopt and implement written policies and procedures, reasonably designed to ensure that the Investment Advisor votes proxies in the best interest of its Clients. The procedures must address material conflicts that may arise in connection with proxy voting. The Rule further requires the adviser to provide a concise summary of the adviser’s proxy voting process and offer to provide copies of the complete proxy voting policy and procedures to Clients upon request. Finally, the Rule requires that the adviser discloses to Clients how they may obtain information regarding voted proxies.
As a matter of policy, Canter Wealth does not vote for Client securities. Clients either retain the responsibility to vote proxies or delegate such authority to the underlying sub-advisers. When Clients retain proxy voting responsibility, Clients will receive their proxies or other solicitations directly from their custodian or a transfer agent.
Clients should confer with their tax advisors regarding the tax consequences of investing in any investment. Clients and their personal tax advisors are responsible for how the transactions conducted in an investment account are reported to the IRS or any other taxing authority on the Client’s personal tax returns. Canter Wealth assumes no responsibility for the tax consequences to any Client of any transaction.