Website Disclosures

Planning Alternatives is registered with the Securities and Exchange Commission ("SEC") as a Registered Investment Adviser, and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by the SEC nor does it indicate that the advisor has attained a particular level of skill or ability. This website and the materials available for download are for information, and educational purposes only and do not constitute investment, tax, legal or accounting advice. It is limited to general information about our views on the economy, various investment options and investment strategies and content is subject to change without notice.  The materials displayed on this website should not be viewed as an offer to buy or sell, or a solicitation of any offer or recommendation to buy or sell any securities that may be mentioned on the website. Neither the information nor any opinion expressed herein constitutes a recommendation to invest in accordance with a particular strategy or a solicitation for the sale or purchase of any particular security. We do not recommend making decisions based solely on any information presented in our podcasts, services, blogs, or other website information. Choosing the proper investment products or strategies requires an individualized analysis of your unique circumstances. Investing should be done only with the knowledge that you could experience significant losses, or make no money at all. All information in this website is based on data gathered from what we believe to be reliable sources and is intended to provide general information about Planning Alternatives and its services.  Information throughout this website, whether stock quotes, charts, or any other statement or statements regarding market or other financial information is not guaranteed for timeliness and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor or to offer or deliver investment advice in any way. It should not be regarded as a complete analysis of the subjects discussed. Advice can only be rendered within the context of an executed Wealth/Investment Management and/or Financial Planning contract between an investor and Planning Alternatives. No person should invest who is not, either alone or with their advisers, capable of evaluating the merits and risks of prospective investments. No representation is made that by implementing any information presented here any investor will or is likely to achieve their investment objectives, have results comparable to those shown, or will make any profit at all or will be able to avoid incurring losses. All forecasts and expressions of opinion reflect the judgment of Planning Alternatives.  Planning Alternatives is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. Planning Alternatives does not represent, warranty, or imply that the services or methods of analysis employed by Planning Alternatives can or will predict future results, successfully identify market tops or bottoms, or insulate investors from losses due to market corrections or declines. Investments are subject to market risks and potential loss of principal invested, and all investment strategies likewise have the potential for profit or loss. 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 an investor’s portfolio. There are also no assurances that any portfolio will match or outperform any benchmark. Planning Alternatives is not providing personalized investment advice, and there can be no assurance that any strategy will be suitable or profitable for an investor’s portfolio.

Past performance is not a reliable indicator of future results and investors may not recover the full amount invested. Investments you make should be based on the specific information available for such investment, and not based on the success of past recommendations or performance.

All potential investors can check the status and disciplinary history of any of our investment adviser representatives with the SEC at https://adviserinfo.sec.gov/.

Planning Alternatives is registered and regulated as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by the SEC nor does it indicate that the advisor has attained a particular level of skill or ability. Planning Alternatives provides blogs for educational and informational purposes only and not to be construed as a solicitation to buy or sell a security or to provide personalized investment, tax or legal advice. This blog is limited to the dissemination of general information on Planning Alternatives service offerings.  The ideas and strategies discussed herein are not professional advice and should never be used without first seeking the advice of your financial professional. 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 nor that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Planning Alternatives will be profitable or equal any historical performance level(s). Future returns may differ significantly from the past due to materially different economic and market conditions and other factors. Investments within portfolios, and therefore, portfolios, involve risk and the possibility of loss, including a permanent loss of principal. This document has been prepared solely for information purposes based upon information generally available to the public from sources considered to be reliable.

Past performance is no guarantee of future results.

The information contained in the videos and throughout this website, whether stock quotes, charts, or any other statement or statements regarding market or other financial information is not guaranteed for timeliness or accuracy and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. You should not treat any opinion expressed in the videos as a specific inducement to make a particular investment or follow a particular strategy. The opinions expressed in a video are based upon information Planning Alternatives considers reliable, but completeness or accuracy is not warranted, and it should not be relied upon as such. Market conditions are subject to change at any time, and no forecast can be guaranteed. All information perceived from a video (visual or verbal) does not constitute financial, legal, tax or other professional advice and is not intended as a substitute for consultation with a qualified professional. All expressions of opinion reflect the judgment of the author/presenter as of the date of publication and are subject to change and do not constitute personalized investment advice. A professional advisor should be consulted before implementing any of the strategies presented. No content should be construed as an offer to buy or sell, or a solicitation of any offer to buy or sell any securities mentioned herein.

All data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this website, whether through links or otherwise (collectively, “Materials”) on this website, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as well as all copyright, patent, trademark, trade dress, and other rights therein, are owned or licensed by Planning Alternatives and its third-party information providers, and are protected by United States and international intellectual property laws. All trademarks, service marks, and logos appearing on this website are the exclusive property of their respective owners. All Planning Alternatives’ graphics, logos, page headers, and service names are trademarks, or service marks of Planning Alternatives’. Nothing contained on this website should be construed as granting any license or right in or to any trademarks, service marks, or trade dress of Planning Alternatives. Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Planning Alternatives designates an agent as described below to receive notifications of claimed copyright infringement by mail: Jennifer A. Dukarski, CIPP/US, Butzel Long 301 East Liberty Street, Suite 500, Ann Arbor, MI 48104.

At certain places on our website, we offer direct access or ‘links’ to other Internet websites to assist users in locating information on topics that might be of interest to them. These websites contain information that has been created, published, maintained, or otherwise posted by institutions or organizations independent of Planning Alternatives.  Planning Alternatives does not endorse, approve, certify, or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional.  By providing access to other websites, Planning Alternatives is not recommending the purchase or sale of the stock issued by any company. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Certain parts of this website may be protected by passwords or require a login. You agree to use this website to access only those accounts on which you are authorized to act, and you agree to use your own usernames, logins, passwords, and security questions and answers when accessing accounts on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this website, or to any other protected materials or information, through any means not intentionally made available to you by Planning Alternatives.