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Posted on December 31, 2018
Posted by jonwretlind

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Incisic™ is a Trademark of Longs Peak Education. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law. Any requests for reproductions should be submitted in writing to Longs Peak Education, 150 E. 29th St., Suite 275, Loveland, CO 80538 or by email: info@LongsPeakEducation.net.

Disclaimer

All the information provided through Longs Peak Education, including all content provided under the Incisic™ brand, is intended for educational purposes only. This disclaimer includes, but is not limited to, any form of media including communication on the web site, articles, reports, white papers, e-books, books, book reviews, videos, DVDs, and CDs. It also includes any information accessed through a third party source.

Longs Peak Education provides relevant, balanced, and thorough information regarding the subject matter being covered so that the learner has sufficient knowledge to make a reasonable assessment regarding the pros and cons of the financial material being covered. Although a tremendous amount of financial advice today is disseminated under the guise of financial entertainment, Longs Peak Education develops content which is not intended for entertainment.

Content is based on research and incorporates economic principles which recognize the reality that money behaves in ways which cannot be portrayed through the use of consistent return assumptions. The application of consistent returns is typically used in black box financial planning by applying the same rate of return (math) in line graphs to demonstrate how an investment is assumed to grow over time.

The purpose of Longs Peak Education is to provide financial education. The content is not intended to provide individual, family, or business financial advice. True financial advice cannot be provided without a deep understanding of each individual situation, which can only be accomplished through an in-depth analysis which involves a two-way dialogue. It is important that individuals take steps to meet with qualified professionals who take a macroeconomic approach, not merely a “black box” financial planning approach to finances including, but not limited to, risk, insurance, investments, and taxes. One should seek professional counsel which can incorporate an evaluation using realistic rate of return assumptions, the utilization of long compound interest curves, an evaluation of lost opportunity costs and the potential for velocity of money as it relates to one’s specific financial circumstance. Content provided is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

Longs Peak Education suggests that individuals conduct research to understand the specific licenses held, educational qualifications achieved, level of experience, and standards of conduct required of any potential financial advisor. This evaluation should also include an understanding of that advisor’s philosophies regarding financial planning and the scope of financial tools utilized in their planning advice.

Please be aware: investing involves risk, including potential loss of principal. Any referenced investment performance can only be past performance and does not guarantee future results. Investments may fluctuate, so they may be worth more or less than their original value. Examples are not necessarily indicative of future results and may not reflect the experience of all clients. Actual results may vary. These views should not be construed as a recommendation to buy, sell, or hold any specific security. Incisic™ and the presenters are not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any governmental agency.

Longs Peak Education strives to make any information to be pertinent at the time of original publication. Please be aware that the financial world is subject to change at any time. These concepts were derived under current laws and regulations. Changes in the law or regulations may affect the information provided. Therefore material may contain outdated or obsolete information. Any information impacted by current laws and regulations should be reviewed with current facts when considering its impact.

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