Disclosures

This website may contain marketing and advertising content. Any such content is provided for informational purposes only and is not intended as a recommendation, solicitation, or offer to buy or sell any securities or investment strategy.

Any references to investment performance, expectations, or potential outcomes are subject to significant limitations. Hypothetical, back-tested, or model performance (if presented) does not reflect actual trading, does not represent the performance of any client account, and may not reflect the impact of material economic and market factors. Actual client results may differ materially.

There are no assurances that any investor’s portfolio will match or outperform any particular benchmark, index, or investment strategy. Expected or targeted returns are not guaranteed and are based on assumptions that may not materialize.

Past performance is not a guarantee of future results.

Kathmere does not currently utilize client testimonials or endorsements on its website unless otherwise disclosed in accordance with applicable regulations.

All investing involves risk, including the potential loss of principal. No investment strategy or risk management technique can guarantee profit or eliminate risk.

Equity Investments

Stock investing involves risk, including market volatility, loss of principal, and potential illiquidity. Dividend payments may fluctuate or be eliminated. Investments in foreign and emerging markets involve additional risks, including currency risk, geopolitical risk, regulatory risk, and differing accounting standards.

Fixed Income Investments

Bonds and fixed income investments are subject to interest rate risk, credit risk, inflation risk, liquidity risk, and market risk. Bond prices generally fall as interest rates rise. High-yield (junk) bonds are not investment-grade securities and involve greater risk of default and price volatility. Municipal bond income may be subject to federal, state, local, or alternative minimum tax.

Alternative & Real Asset Investments

Alternative strategies may not be suitable for all investors and are generally intended for the risk-capital portion of a portfolio. These strategies may involve leverage, derivatives, illiquidity, and increased volatility, which can accelerate losses. Investments in real estate and REITs involve risks such as illiquidity, interest rate sensitivity, and economic conditions. Commodity-linked investments may be volatile and affected by weather, geopolitical events, and regulatory developments.

Model Portfolios & Asset Allocation

Asset allocation and diversification do not ensure profit or protect against loss. Model portfolios are hypothetical in nature and do not reflect actual trading. Client results may vary materially from model results due to timing, fees, taxes, and market conditions.

Information related to retirement plans, plan sponsors, fiduciaries, and participants is provided for general educational purposes only and is not intended as authoritative guidance, legal advice, or tax advice.

Each retirement plan has unique characteristics and requirements. Kathmere does not guarantee that the use of any information provided will result in compliance with ERISA, Department of Labor, or Internal Revenue Service regulations. Plan sponsors and fiduciaries should consult with their ERISA counsel, tax advisor, or other qualified professional regarding their specific responsibilities.

Tax laws, Department of Labor guidance, and ERISA regulations are subject to change at any time.

Professional Capacity Disclosure
Alan Wandalowski, JD, LLM, is not licensed as an investment adviser representative and does not provide advice related to securities. Advisory services are offered solely by licensed representatives of Kathmere Capital Management. Neither Mr. Wandalowski nor Kathmere Capital Management is engaged in the practice of law or accounting.

Certain content may include flow charts, summaries, illustrations, or planning concepts related to estate planning, tax strategies, or advanced financial planning topics. Such information is provided for illustrative and educational purposes only.

Case Studies & Hypothetical Examples
Any case studies, hypothetical examples, or sample scenarios presented are for illustrative and educational purposes only. Such examples do not represent actual client experiences unless explicitly stated and should not be interpreted as a guarantee of future results.

Case studies are based on assumptions that may not reflect actual market conditions, client behavior, fees, taxes, timing of transactions, or other material factors. Actual client results will vary and may differ materially from the outcomes illustrated. No representation is made that any client will experience results similar to those shown.

Nothing presented constitutes legal or tax advice, nor does it represent a recommendation to implement any specific strategy. Any anticipated or assumed benefits are not guaranteed. All strategies should be reviewed with, and implemented through, appropriate legal documents prepared by the client’s attorney and in consultation with qualified tax professionals.

Illustrations and projections are based on assumptions that may not come to pass. Actual results may differ materially. Trust projections and planning assumptions are subject to change due to market conditions, tax law changes, and other factors.

Professional Capacity Disclosure
Alan Wandalowski, JD, LLM, is not licensed as an investment adviser representative and does not provide advice related to securities. Advisory services are offered solely by licensed representatives of Kathmere Capital Management. Neither Mr. Wandalowski nor Kathmere Capital Management is engaged in the practice of law or accounting.

Neither Kathmere nor its representatives are engaged in the practice of law or accounting.

Index performance data, when shown, is provided for illustrative purposes only to demonstrate general market trends. Indexes are unmanaged, do not incur advisory or transaction fees, and cannot be invested in directly. Index performance does not represent the performance of Kathmere or any of its advisory clients.

Definitions for commonly referenced indexes (including, but not limited to, S&P, Russell, MSCI, Bloomberg, Dow Jones, and Nasdaq indexes) are available upon request or may be provided in a separate index definitions appendix.

Kathmere takes reasonable measures to protect client information; however, no data transmission over the internet or electronic storage system can be guaranteed to be 100% secure. Email and electronic communications may not be secure, and clients assume the risk when communicating with the Firm electronically.

Kathmere is not responsible for losses resulting from unauthorized access, cybersecurity breaches, or third-party system failures beyond its reasonable control.

Use of Third-Party Platforms & Data Aggregation

Kathmere may utilize third-party custodians, reporting systems, and technology platforms. Information provided through such platforms is derived from third parties and may not be independently verified by Kathmere.

Kathmere seeks to identify and manage conflicts of interest in a manner consistent with its fiduciary duty to clients. Conflicts may arise due to compensation arrangements, service provider relationships, or other business activities. Additional information regarding conflicts of interest is available in the Firm’s Form ADV Part 2A.

Bloomberg Fixed Income & Commodity Indexes

Bloomberg U.S. Aggregate Bond Index
A broad-based benchmark that measures the investment-grade, U.S. dollar-denominated, fixed-rate taxable bond market. The index includes Treasuries, government-related and corporate securities, mortgage-backed securities (agency fixed-rate and hybrid ARM pass-throughs), asset-backed securities, and commercial mortgage-backed securities (agency and non-agency).

Bloomberg U.S. Aggregate Bond 1–5 Year Index
Measures the investment-grade, U.S. dollar-denominated, fixed-rate taxable bond market with maturities between one and five years. The index includes Treasuries, government-related and corporate securities, mortgage-backed securities, asset-backed securities, and commercial mortgage-backed securities that are publicly issued.

Bloomberg U.S. Corporate Bond Index
Measures the investment-grade, fixed-rate, taxable corporate bond market, including U.S. dollar-denominated securities publicly issued by U.S. and non-U.S. industrial, utility, and financial issuers.

Bloomberg U.S. Corporate High Yield Index
Measures the U.S. dollar-denominated, high-yield, fixed-rate corporate bond market. Securities are classified as high yield if the middle rating of Moody’s, Fitch, and S&P is Ba1/BB+/BB+ or below.

Bloomberg U.S. Treasury Bills Index
Includes public obligations of the U.S. Treasury, excluding certain special issues and securities such as Treasury Inflation-Protected Securities (TIPS).

Bloomberg Emerging Markets Local Currency Index
A country-constrained index designed to provide a broad measure of the performance of liquid local-currency emerging markets debt, with limits on country exposure.

Bloomberg Global Aggregate Bond Index
A multi-currency benchmark measuring global investment-grade debt across developed and emerging markets. It includes treasury, government-related, corporate, and securitized fixed-rate bonds.

Bloomberg Municipal Bond Index
An unmanaged index considered representative of the U.S. tax-exempt bond market.

Bloomberg Commodity Index
Provides broad-based exposure to commodities with no single commodity or sector dominating the index.

Dow Jones Indexes

Dow Jones Industrial Average (DJIA)
A price-weighted index tracking 30 large, publicly owned companies trading on the New York Stock Exchange and Nasdaq.

Dow Jones U.S. Total Stock Market Index
A market-capitalization-weighted index representing approximately 95% of the U.S. stock market based on market capitalization.

Dow Jones U.S. Select Dividend Total Return Index
Screens stocks based on dividend per share growth rate, dividend payout ratio, and trading volume, with selection based on dividend yield.

MSCI Indexes

MSCI All Country World Index (ACWI)
Designed to measure global equity performance, including developed and emerging markets.

MSCI Emerging Markets Index
Measures equity market performance across emerging market countries.

MSCI USA Indexes
Includes a variety of style and sector-based indexes measuring large- and mid-cap U.S. equities, including Momentum, Minimum Volatility, Value, Quality, Cyclical, Defensive, and Total Shareholder Yield strategies.

MSCI World ex USA Index
Measures equity market performance of developed markets excluding the United States.

MSCI World ex USA Style Indexes
Includes enhanced value, momentum, quality, minimum volatility, and small-cap indexes across developed markets outside the U.S.

S&P Indexes

S&P 500 Index
A market-capitalization-weighted index of 500 large U.S. publicly traded companies.

S&P 500 Equal Weight Index
An equal-weighted version of the S&P 500 Index, allocating equal weight to each constituent at each rebalance.

Russell Indexes

Russell 1000 Index
Measures the performance of the large-cap segment of the U.S. equity market.

Russell 1000 Growth Index
Measures the performance of large-cap U.S. equities with growth characteristics.

Russell 1000 Value Index
Measures the performance of large-cap U.S. equities with value characteristics.

Russell 2000 Index
Measures the performance of the small-cap segment of the U.S. equity market.

Russell 2000 Value Index
Measures the performance of small-cap U.S. equities with value characteristics.

Russell 3000 Growth Index
Measures the performance of growth-oriented equities across the broad U.S. equity market.

Nasdaq Indexes

Nasdaq Composite Index
A market-capitalization-weighted index of common equities listed on the Nasdaq stock exchange.

Nasdaq-100 Index
Includes 100 of the largest non-financial domestic and international companies listed on the Nasdaq Stock Market.

Additional Index Disclosure

Indexes are provided for comparison and informational purposes only. Index performance does not reflect the deduction of advisory fees, transaction costs, or other expenses that would reduce actual client returns. An investor cannot invest directly in an index.