Important information about this website

Required disclosures

Advisory services are offered through Aegis Wealth Management, Inc. The firm is registered as an investment advisor and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the advisors have achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting. Insurance products are offered through dually licensed individuals. All insurance products are subject to the claims-paying ability of the insurer. This website should not be viewed as personalized insurance or investment advice. All insurance and investment strategies have the potential for profit or loss. No content contained herein should be relied upon without prior consultation with a licensed professional who is qualified to evaluate the individual’s specific circumstances and to offer a professional opinion with respect thereto. There can be no assurance that a product or strategy is suitable for your specific financial situation. You should consult with a professional advisor before implementing any of the strategies. Content should not be viewed as an offer to buy or sell any insurance products or securities mentioned. Different types of investments and products involve higher and lower levels of risk.

Estate planning, tax, and Social Security rules are subject to change at any time. Many financial products, such as annuities, may contain surrender charges and/or restrictions on access to your funds. Payments and withdrawals may have tax consequences. Estate planning, tax and legal information provided is general in nature and should not be viewed as tax or legal advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Asset allocation, rebalancing, and diversification will not necessarily improve an investor’s returns and cannot eliminate the risk of investment losses. Historical performance returns for investment indexes and/or categories, usually do not deduct transaction and/or custodial charges or an advisory fee, which would decrease historical performance results. There are no guarantees that an investor’s portfolio will match or outperform a specific benchmark.

A Roth conversion may not be suitable for your financial situation. The primary goal when converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Conversion decisions are based on tax brackets in place now. Roth IRA contributions are made with after-tax money. No tax deduction arises in the year when contributions are made. No account earnings, if any, may be withdrawn until at least five years have passed since the first contribution.

Firm and licensing information

Sean Farro offers services under the Transparent Retirement Group brand, and advisory services are offered through Aegis Wealth Management, Inc.

Sean Farro advises investment clients nationwide. Insurance is licensed state by state, and he is currently licensed in Florida, Georgia, Nebraska, New Jersey, North Carolina, Ohio, and Tennessee. He adds states as clients need them, so please ask about yours.

For firm registration details, disclosure documents, or a copy of any form you are entitled to receive, please contact the office and we will provide them.

Standard of care and capacity

Where Sean Farro provides investment advisory services, he acts as a fiduciary and is required to act in the client’s interest and to place that interest ahead of his own.

Sean Farro is also licensed to sell insurance. Where an insurance product is recommended and purchased, that transaction may be conducted in a separate capacity and may involve commission-based compensation. The capacity he is acting in, and the compensation involved, are disclosed before any recommendation is acted on.

This site is general information only

Everything published here is for general educational purposes. It is not personalized investment, tax, legal, insurance, or accounting advice, and it does not take account of your particular circumstances, objectives, or needs.

Nothing on this site is an offer or a solicitation to buy or sell any security or insurance product, or to engage advisory services in any jurisdiction where that would not be permitted.

Investment risk

• Investing involves risk, including the possible loss of principal.
• No strategy, including diversification and asset allocation, can guarantee a profit or protect against loss in a declining market.
• Past performance is not a guarantee or a reliable indicator of future results.
• Any examples used on this site are hypothetical and illustrative. They do not represent the experience of any actual client.

Insurance products

Insurance and annuity products have costs, limitations, surrender charges, and holding periods that vary by product and by carrier. Any guarantee associated with an insurance product depends entirely on the claims-paying ability of the issuing insurance company.

Product availability and features vary by state. A product suitable for one person may be unsuitable for another.

Tax and legal matters

Tax and estate rules change and apply differently to different people. Nothing here is tax or legal advice. Please consult a qualified tax professional or attorney about your own situation before acting.

Insurance and annuity advice

Sean Farro advises on Medicare selection, long-term care planning, and annuities, and is licensed to place insurance. Where a product is recommended, its costs, its limitations, any surrender charges, and its dependence on the issuer’s claims-paying ability are disclosed before you decide anything.

Professional designation

The Chartered Financial Consultant (ChFC®) designation is issued by The American College of Financial Services. Holding a professional designation does not guarantee any particular result and is not an endorsement by any regulator.

No testimonials or rankings on this site

This site publishes no client testimonials, endorsements, ratings, rankings, awards, client counts, asset totals, or performance figures. If any of those are added later, the disclosures they require will be added with them.

Third-party links and images

Links to other websites are provided for convenience. We are not responsible for the content or privacy practices of sites we do not operate. Apart from the photographs of Sean and his family, which are his own, the photographs on this site are licensed stock images and do not depict clients, staff, or the office.

Questions

If anything here is unclear, please ask. Call 352-470-1898 or email Sfarro@InvestAegis.com.