Important Disclosures
Planning Solutions International LLC dba TOAMS Financial (“TOAMS”) is a registered investment advisor, located in the State of Florida. TOAMS provides investment advisory and related services for clients nationally. TOAMS will maintain all applicable registration and licenses as required by the various states in which TOAMS conducts business, as applicable. TOAMS renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.
Terms of Use
Please read these terms and conditions of use (“Terms”) carefully before using the website located at toamsfinancial.com (“Website”) or any of the information or services provided by Planning Solutions International LLC dba TOAMS Financial (collectively “TOAMS”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by TOAMS in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.
TOAMS reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
These Terms were last updated on January 4, 2019.
Risk Disclosure
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.
Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.
This website is intended to provide general information about TOAMS and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.
Market data, articles and other content on this website are based on generally available information and are believed to be reliable. TOAMS does not guarantee the accuracy of the information contained in this website. The information is of a general nature and should not be construed as investment advice.
Please remember that it remains your responsibility to advise TOAMS, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.
TOAMS will provide all prospective clients with a copy of our current Form ADV, Part 2A (“Disclosure Brochure”), Form CRS, and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at http://adviserinfo.sec.gov or you may Contact Us at info@toamsfinancial.com to request a free copy via pdf or hard copy. Here is a copy of our Form CRS https://reports.adviserinfo.sec.gov/crs/crs_300043.pdf.
Dave Ramsey SmartVestor™ Pro
SmartVestor™ is an advertising service for investing professionals. Advertising fees are not connected to any commission, portfolio, service, product, or other service offered or rendered by any SmartVestor™ Pros. SmartVestor™ Pros are subject to initial vetting by Ramsey Solutions, and they affirm a Code of Conduct. SmartVestor™ Pros are not employees or agents of Ramsey Solutions. Neither Ramsey Solutions nor its affiliates are engaged in rendering investing or other professional advice. Ramsey Solutions does not receive, control, access, or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of SmartVestor™ Pros and makes no claim or promise of any result or success of retaining a SmartVestor™ Pro. Your use of SmartVestor™, including the decision to retain the services of any SmartVestor™ Pro, is at your sole discretion and risk. Any services rendered by SmartVestor™ Pros you contact are solely that of the SmartVestor™ Pro. TOAMS Financial does not endorse and is not associated with Dave Ramsey or the SmartVestor™ program. Fees are paid to Ramsey Solutions for the ability to use the SmartVestor™ advertising service.
Toams Financial does not compensate or is not compensated for client referrals.
Toams Financial has entered into an advertising agreement with The Lampo Group, LLC d/b/a Ramsey Solutions™ (referred to as “RS” or “Smart Vestor™”). Toams Financial, pays a flat fee for advertising through RS, both online and locally. Mario Payne and Kendal Cann (referred to as “Pros”) as Pros are licensed to use certain approved SmartVestor™ marks in business advertising. This advertising service may result in the introduction to or acquisition of clients. RS does not warrant any services of Toams Financial or any SmartVestor™ Pro and makes no claim or promise of any result or success by retaining Toams Financial. Use of SmartVestor™, including the decision to retain the services of Toams Financial, is at the investor’s sole discretion and risk.
Toams Financial has entered into an advertising agreement with The Lampo Group, LLC d/b/a Ramsey Solutions™ (referred to as “RS” or “Smart Vestor™”). Toams Financial, pays a flat fee for advertising through RS, both online and locally. Mario Payne and Kendal Cann (referred to as “Pros”) as Pros are licensed to use certain approved SmartVestor™ marks in business advertising. This advertising service may result in the introduction to or acquisition of clients. RS does not warrant any services of Toams Financial or any SmartVestor™ Pro and makes no claim or promise of any result or success by retaining Toams Financial. Use of SmartVestor™, including the decision to retain the services of Toams Financial, is at the investor’s sole discretion and risk.
Email Disclosures
TOAMS often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. TOAMS makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send TOAMS private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.
Please note: TOAMS does not accept trading or money movement instructions via email.
As a registered investment advisor, TOAMS emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of TOAMS or the securities regulators.
If you have received an email from TOAMS in error, we ask that you contact the sender and destroy the email and its contents.
For a copy of the TOAMS Privacy Policy, please click here.
If you have any questions regarding our email policies, please Contact Us at info@toamsfinancial.com.
Social Websites
TOAMS may utilize third-party websites, including social media websites, blogs and other interactive content. TOAMS considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, TOAMS generally retains copies of information that TOAMS or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of TOAMS or the securities regulators.
Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by TOAMS’s advisory persons after entering into an advisory agreement and provided TOAMS with all requested background and account information.
TD Ameritrade, Inc. is the firm that we use to custody our client assets. TD Ameritrade and TOAMS Financial, are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.
If you have any questions regarding our policies, please Contact Us at info@toamsfinancial.com