Financial Alternatives, Inc. (“FAI”) is an SEC registered investment adviser located in La Jolla, California. FAI and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which FAI maintains clients. FAI may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

This website provides general information about FAI, with access to additional information and is not intended to offer investment or financial planning advice.  The publication of FAI’s web site on the Internet should not be construed as FAI’s solicitation to effect securities transactions, or the offering of personalized advice over the Internet.  Any subsequent, direct communication by FAI with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  FAI provides personalized investment and/or financial planning advice only within the context of contractual agreements with clients, and only after a review of the client’s situation.  A copy of FAI’s current written disclosure statement (Form ADV-Part II) discussing FAI’s business operations, services, and fees is available from FAI upon written request.

Some pages within the FAI website are password-protected and are intended only to allow authorized user access to information relative to specific client account(s).  It should be understood that the FAI website does not provide the ability to direct account transactions (e.g. place trade orders, make withdrawals), except through certain linked third party websites.  The user in password-protected areas is responsible for any use of the password and for maintaining the confidentiality of the password.

No client or prospective client should assume that the publication of investment positions, strategies and/or recommendations as well as the access and use of any financial calculator serves as the receipt of, or a substitute for, personalized advice from FAI, or from any other investment professional. FAI are neither attorneys nor accountants, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

FAI does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to FAI’s  web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by FAI) or product made reference to directly or indirectly by FAI in its web site, indirectly via a link to an unaffiliated third party web site, or other publication, will be profitable or equal the corresponding indicated performance level(s).  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.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results.

With regard to publication or ranking of FAI by another organization, it should be understood that: (1) it should not be construed by any existing or prospective client as a guarantee that they will experience a certain level of results if they engage or continue to engage services; (2) it should not be construed as a current or past endorsement of FAI by any of its clients; and (3) lists or rankings published by magazines and other sources are generally based exclusively on information prepared and submitted by FAI.

Each client and prospective client agrees, as a condition precedent to his/her/its access to FAI’s web site, to release and hold harmless FAI, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from FAI.