Last updated – April 2019


Exclusion of Liability

The content of the pages of this website is for your general information and use only. It is subject to change without notice. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. System response and access times may vary due to market conditions, system performance, and other factors.


Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).


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Client Costs and Fees

Our service can be terminated at any time without a penalty. Any termination of service will result in a refund of the unused portion, if any, of the monthly and/or quarterly fee. Payment options, transaction costs, and agreements are flexible and are outlined in the advisory agreement. Please read the agreement carefully. The advisory agreement is available upon request.

ValueWealth Services

Any stock, option, or futures symbol displayed is for illustrative purposes only and is not intended to portray a recommendation to buy a particular investment. Options in particular involve risk and are not suitable for all investors. Please read Characteristics and Risks of Standardized Options to learn more. Client costs and fees are subject to change at any time. Written and oral notification will be provided several weeks in advance of any change. If any change does occur, a new, updated investment advisory agreement will need to be updated, signed, and approved by the client. Client costs and fees vary with each service option. Please refer to the Fee, Cost and Services Matrix for specific detail. Advisory or consulting fees paid to ValueWealth Services are agreed to in writing using the fee-based advisory agreement. Advisory fees are billed monthly and/or quarterly, in advance, on a calendar year basis. The advisory fee can be calculated as an annual percentage on account assets, as a predetermined annual flat fee, or some combination of both, usually with a minimum. If you have a taxable and a tax-deferred account, we can arrange for the fees for both to be paid from the taxable account. However, we do not provide tax advice. You should consult with your accountant, or tax attorney to determine if any of the fees or costs you pay are tax deductible. Investing inherently involves risk including the loss of principal which the client should be prepared to bear. Diversification and asset allocation do not ensure profit or protect against loss in a declining market. Past performance does not guarantee future results. Any investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. Ensure that you understand your risk tolerance prior to investing.

ValueWealth Services is a dba of Institute for Wealth Advisors, Inc., an SEC registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. Securities offered through Stephen A. Kohn & Associates, Ltd. (SAKL). Securities offered through SAKL are currently available in: Florida, Georgia, Maryland, New York, North Carolina, Ohio, South Carolina and Virginia. This website is not an advertisement for services available in any state other than those listed above. Custodial Services offered through TD Ameritrade Institutional.