LifePro Asset Management
Regulatory Disclosure
Registration
For registration information on our firm, please go to https://adviserinfo.sec.gov/ and search for LifePro Asset Management, LLC or by our CRD # 285252. Advisory services are only offered to clients or prospective clients where LifePro Asset Management, LLC and its representatives are properly licensed or exempted.
Investments involve risk and are not guaranteed. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Advisor), will be profitable or equal any historical performance level(s). Actual performance of client portfolios may differ slightly due to various factors such as client deposits or withdrawals, investment guidelines and restrictions, or fees and expenses incurred by any specific individual portfolio, among other factors.
Benchmarks
The indices used by LifePro Asset Management allow for comparison of the investor’s performance to that of certain well-known and widely recognized indices. Indices are typically not available for direct investment, are unmanaged and do not incur fees or expenses.
S&P 500 is an unmanaged index of the shares of 500 widely held, predominantly large capitalization, U.S. exchange-listed common stocks. The index results neither include dividends reinvested nor reflect fees and expenses. Investors cannot invest in any index directly.
S&P Dividend Aristocrats Index includes 52 companies among the S&P 500 SPX, that have raised dividends each year for at least 25 years.
Bloomberg Barclays US Aggregate Bond Index is a market capitalization-weighted index used to represent investment grade bonds being traded in United States. The index includes treasuries, government-related and corporate securities, agency fixed-rate and hybrid adjustable rate mortgage pass-throughs and asset backed securities.
Product Offerings
Investment advisory services offered through LifePro Asset Management, LLC, is a Securities and Exchange Commission (SEC) Registered Investment Advisor. Please note that such registration does not constitute an endorsement of LPAM by the SEC, nor does it indicate that LPAM has attained any particular level of skill or ability.
The products and services described on the LPAM Site are offered by the individual LifePro Asset Management company or their Affiliates. Please be aware that some of the products, services, product features or underlying investment options described on the LPAM Site may not be available in your jurisdiction and generally are not available outside the United States. The laws of each country, state, or territory may differ and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you, and nothing on the LPAM Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Your eligibility for certain products is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by our affiliates providing such product.
Registered Insurance Products
Variable annuities, variable life insurance, certain other registered insurance products, and mutual funds are not offered by LPAM, and are only available for sale by prospectus only through our Affiliates. To request prospectuses containing more complete information regarding registered products in your jurisdiction, including charges and expenses, please contact LifePro Financial Services identified on the LPAM Site or its representative. Read each prospectus carefully before you invest or send money.
Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.
Tax Recommendations
Although the LPAM Site may include statements on various life events and financial, legal or tax concerns, these statements are provided for informational purposes only, and are not intended and should not be relied upon as legal, tax or personalized advice. Advisor is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. Be sure to first consult with a qualified tax professional, and/or legal counsel before implementing any securities, investments, or strategies discussed.
Forward Looking Statements
Certain portions of Advisor’s web site (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Advisor’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Advisor, or from any other investment professional. Certain statements contained herein are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include statements relating to future developments in our business or expectations for LifePro Asset Management’s future financial performance and any statement not involving a historical fact. Forward-looking statements use words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” and other words and terms of similar meaning in connection with a discussion of future operating or financial performance or other events. Such statements are based on management’s views and assumptions at the time such statements were originally made and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Because the LPAM Site includes historical documents, any such statements may not reflect LifePro Asset Management’s current views, assumptions, or expectations. Actual results, performance or events may differ materially from those in any such statements due to, among other factors, (i) general economic conditions, including in particular economic conditions in LifePro Asset Management’s core markets, (ii) performance of financial markets, including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency and lapse levels, (vi) interest rates, (vii) currency exchange rates (viii) general competitive factors, (ix) changes in laws and regulations, and (x) changes in the policies of governments and/or regulatory authorities. Factors that may cause actual results to differ from those in any forward-looking statement also include those described in LifePro Asset Management’s periodic and other filings with the Securities and Exchange Commission. LifePro Asset Management does not undertake any obligation to correct or update any forward-looking statements on the LPAM Site.
Electronic Delivery
If you have consented to the electronic delivery of documents or conduct business with LifePro Asset Management electronically, LifePro Asset Management may, pursuant to your consent, make certain regulatory documents and information relating to your LifePro Asset Management account(s) (such as statements, prospectuses and confirmations) available electronically for download or via e-mail (collectively, “Documents”). Content, excluding Documents, is provided for informational purposes only and should not be relied on. LifePro Asset Management does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions, including tools such as calculators, provided on the LPAM Site. You should not rely solely upon this information in making any decisions, including any decision to buy a product or service from LifePro Asset Management or affiliate. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on the LPAM Site, or of federal income taxes or any other taxes on amounts held or paid out under any financial products described.
No Offer or Advice
Nothing contained herein constitutes an offer, solicitation or recommendation regarding any investment management product or service, or the offer to sell or the solicitation of an offer to buy any security; nor shall any such services be provided, or securities be offered or sold, in any jurisdiction in which such an offer, solicitation, provision or sale would be unlawful. All Site Content is subject to applicable statutes and regulations. This Site is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this Site. U.S. investors are advised that not all investments or services described on this Site are available for sale in all states. Any potential investor should satisfy himself that an investment is permissible under the rules and regulations of his or her domicile.
The information provided is for informational purposes only. It does not constitute any form of advice or recommendation to buy or sell any securities or adopt any investment strategy mentioned. It is intended only to provide observations and views of the author(s) at the time of writing, both of which are subject to change at any time without prior notice. The information provided does not have regard to the specific investment objectives, financial situation or particular needs of any specific person who may read it, and investors should determine for themselves whether a particular service or product is suitable for their investment needs or should seek such professional advice for their particular situation. Please refer to offering documents for further information concerning specific products.
Any reference to a particular company or security is not an endorsement by LifePro Asset Management of that company or security or a recommendation by LifePro Asset Management to purchase or sell such security. Certain of the statements contained herein may be statements of future expectations, opinions, and other forward-looking statements that are based on LifePro Asset Management current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements.
The matters discussed herein may also involve risks and uncertainties described from time to time in LifePro Asset Management filings with the U.S. Securities and Exchange Commission. The company assumes no obligation to update any forward-looking information contained herein.
