Terms of Use & Other Important Information

Liberty Group operates this website (the "Website") to provide information, related features, and services (the "Service"). 

Please read these  Terms of Use carefully before using our Website.  By accessing and using this website, you agree to be bound by the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.

Liberty Group, Holdings, Inc. operates the following range of businesses through controlled entities, collectively referred to as Liberty Group (or "L.G." ):  Hollander & Hollander, PC  ("H&H"), Liberty Alternative Asset Management, LLC ("LAAM"),  Liberty Tax Planners, LLC ("LTP"), Liberty Wealth Management, LLC ("LWM") and Lifetime Planning Marketing, Inc. ("LPM"), C.A. # 0F17020. This Terms of Use notice covers all L.G. affiliated companies   (collectively, "the Company," "we," "us," or "our").  

Terms of Use     

The Company operates this Website (the "Website") to provide information, related features, and services (the "Service"). The terms and conditions set forth herein (the "Terms of Use") constitute a legally binding agreement between the Company and you regarding the Company's terms on which it offers you access to its Website.  

You may not access or use the Website for any purpose other than it has been made available.  You represent and warrant that you will not use the Website for any illegal or unauthorized purpose or in violation of any applicable law or regulation and that you have the legal capacity, are not a minor in the jurisdiction in which you reside (or if you are a minor, you have received parental permission to use the Website), and will not access the Website through automated or non-human means.  

You agree that your continued use of the Website and our services will be at your sole risk. There are no warranties or representations concerning the interruption or cessation of transmission to or from the Website. The Company is not liable for any viruses, bugs, trojan horses, or the like transmitted to or through the Website.  By use of this Website, you agree to defend, indemnify, and hold us and any direct or indirect subsidiaries and affiliates (as applicable) and each of their respective directors, officers, employees, agents, successors, and assigns harmless from and against all damages, liability, losses, demands or claims  - including attorney's fees and expenses, arising out of, resulting from or relating to your violation of misuse of the Service, the Website, its Terms of Use or, because of or arising out of Website usage, breach of its Terms of Use, warranties and representations as outlined in the Website's Terms of Use, or any overt harmful act toward any third-party or another Website user with whom you connect via the Website. Notwithstanding the preceding, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding subject to this indemnification upon becoming aware of it.  

This Website is hosted in the United States.   Users accessing this Website from outside the United States may be subjecting themselves to United States law, which may differ from their local laws, including those that govern personal data disclosure, collection, and use.  By transferring certain personal information through this Website to the United States, users consent to the transfer of such personal data and the application of United States law.  

Terms of Use May Change Without Prior Notice

The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Following any such modification, your use of the Website constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this Website. The last date these Terms of Use were revised was November 1, 2021.

Limitation of Liability

By using the Website, you acknowledge that your use of the Website is at your sole risk. You understand and agree that under no circumstances will the Company be liable for any damages whatsoever, including, but not limited to, (1) any direct, incidental, consequential, exemplary, or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the Website, the Service, or the information or content provided therein, (2) any claim attributable to errors, omissions, or other inaccuracies in the Website, the Service and/or information or Content contained therein or downloaded through the Website, (3) unauthorized access to or alteration of your transmissions or data, (4) statements or conduct of any third party on the Website or the Service, or (5) any other matter relating to the Website or the Service, even if the Company has been advised of the possibility of such damages. Some of the above limitations may not apply to you because some states do not allow the exclusion or limitation of liability for consequential or incidental damages. In such states, the company's liability is limited, and warranties are excluded to the greatest extent permitted by law.

If you are dissatisfied with the Website or any content on the Website or with the Terms of Use, your sole and exclusive remedy are to discontinue using the Website.  You agree not to take any action that interferes with the proper working of the Website, imposes an unreasonable or disproportionately large load on the Website's infrastructure, might compromise the security of the Website, render the Website or the Service inaccessible to others, or otherwise cause damage to the Website or any Content contained herein. You agree not to add to, subtract from, or otherwise, modify the Website's Content except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

Notice of Restrictions On Your Use

The Service, the Website, and all data and information and content that you see, hear, or otherwise experience on the Website (the "Content") belongs to the Company, its partners, affiliates, contributors, or third parties and may be protected by U.S. and international copyright, trademark, intellectual property, and other laws. Third-party content is used on the Website with the permission of such third parties.  You may download, print, and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title, or interest in any copied or downloaded Content is transferred to you due to any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website. You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.  The information provided on the Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or subject the Company to any registration requirement within such jurisdiction or country. 

Disclaimer of Warranties, Correction of Errors & Inaccuracies

By using this Website, you expressly agree to assume total responsibility and risk for using the Website and the Service. The Company makes no express or implied warranties, representations, or endorsements concerning the Website or Service. By agreeing to grant you access, the Company does not obligate ourselves to do so or maintain this Website or maintain it in its present form. The information on the Website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. The Company does not warrant that the functions performed by the Website or the Service will be timely, secure, or uninterrupted or that defects, errors, inaccuracies, or omissions in the Website or the Service will be corrected. Content, including but not limited to research, market valuations, calculations, estimates, or any other material presented, was obtained from sources believed to be reliable.  We are not responsible or liable for the correctness of any such material or for any loss, damage, delay, or failure to act caused by any source beyond our reasonable control.  

The Company does not warrant the accuracy or completeness of the information or Content provided by the Website or the Service or that any errors in the information or Content will be corrected. The Website, the Service, and the information or Content are provided on an "as is" and "as available" basis.  The Company expressly disclaims all warranties of any kind - express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, concerning the Website, the Service, or any information or Content contained therein, including third-party information. And shall not be liable for any loss or damage arising directly or indirectly from any use of the Website, the Service, or any information or Content contained therein. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information or Content provided by the Website or the Service.  We expressly reserve the right to modify, suspend, or terminate your access privileges.  You agree and understand that we may, in our sole discretion and without any prior notice, close this Website, deny you access to it, delete any files you may maintain at this Website or any information you may choose to post here. 

Exclusive & Proprietary Content

All information available through this Website is the property of the Company or its information providers and is protected by copyright and intellectual property laws. All rights reserved.  You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used to create, promote, trade, or market financial instruments or products without the Company's express written consent or its licensors. You are entitled to use the information it contains for your private, non-commercial use only.

User Conduct

You agree not to take any action that interferes with the proper working of the Website; imposes an unreasonable or disproportionately large load on the Website's infrastructure; might compromise the security of the Website; render the Website or the Service inaccessible to others, or otherwise cause damage to the Website or any Content contained on the Website. You agree not to add to, subtract from, or otherwise, modify the Content on the Website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

Online Privacy & Tracking Practices

Cookies

If you are browsing this Website, a cookie is used to help us measure the number of visits, average time spent, page views, and other statistics relating to the Website. This cookie by itself does not reveal to us your e-mail address or who you are. Cookies are small pieces of data stored by your internet browser on your computer's hard drive. They cannot be used to collect data from your hard drive, obtain your e-mail address, or personal identifying information about you. If you decide to register online with us, we may collect additional information to provide tailored offerings or content to you. In this case, we use cookies to recognize you on subsequent visits and make your online experience more convenient.   You may set your browser to notify you when you receive a cookie or prevent cookies from being sent. Please note, however, that by not accepting cookies, you will limit the functionality we can provide you when you visit our site.

 Handling of "Do-Not-Track" Signals

The California Online Privacy Protection Act and other consumer protection laws provide that a website operator must:  "Disclose how the operator responds to Web browser "do not track" signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer's online activities over time and across third-party Web sites or online services if the operator engages in that collection."  We do not engage in this type of collection.

Enforcement 

If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by and will be interpreted according to the laws of the State of California, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in California, USA, regarding any and all disputes relating to these Terms of Use, the Company's Privacy Statement, your use of the Website, any other website, the Service, or Content or Material contained therein.

Entire Agreement

These Terms of Use constitute the parties' entire agreement to the subject matter hereof and supersede all previous written or oral agreements between the parties concerning such subject matter. No waiver by LWM of any breach or default hereunder shall be deemed a waiver of any preceding or subsequent breach or default.

Other Important Disclaimers, Disclosures & Information

Advisory Services

Liberty Wealth Management, LLC ("LWM") provides investment advisory and planning services to investors who become clients under a written agreement between the client and LWM, the registered investment adviser.  Clients are urged to compare information provided in any statements received from LWM with those they receive from their qualified custodian(s) with whom they will open an account at the time of relationship inception for any formal accounting, including a determination of their tax status or preparation of tax returns.  Before making any investment or hiring any investment manager, investors should consult with a professional financial advisor, legal, tax, or another advisor as necessary to aid in due diligence as proper for their situation and to decide the suitability of the risk associated with any investment. Investors must make their own financial and planning decisions based on their specific due diligence, investment objectives, financial and individual circumstances.  Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. For a complete discussion of our services, please contact your Advisor Representative.   

Forward-Looking Statements 

This Website may contain forward-looking statements, which reflect our current views concerning, among other things, the operations and performance of our businesses. You can identify these forward-looking statements by the use of words such as "outlook," "potential," believe," "continue," "expect," "may," "should," approximately," "seek," "predict," "intend," "will," "estimate," "plan," "anticipate" or the negative version of these or other comparable words. Forward-looking statements are subject to various uncertainties and risks. Therefore, there are or will be important factors that could cause actual results or outcomes to differ materially from those indicated in such statements. We undertake no obligation to update or review any forward-looking statement publicly, whether as a result of future developments, new information or otherwise.

Hyperlinks & Third-Party Website Content

This Website may contain links to websites offered or controlled by non-affiliated third parties ("third-party websites") that allow you to exit this Website and enter the third-party websites, as well as the content or items originating from or belonging to such third parties ("third-party content"). These links are provided only as a convenience. Linked websites are not reviewed, endorsed, controlled, examined, or sponsored by us, and we hereby disclaim all liability for any other company's website security, content, privacy policies, or products.  We accept no liability for any inaccuracies, errors, or omissions in or from any data or other information provided on such pages.  The opinions, advice, recommendations, goods, or services represented by such linked site providers are those of the providers, not us.  Should you decide to leave this Website and access such third-party websites, use or install any third-party website content, or participate in their website's goods or services, you do so at your own risk.  When you exit this Website, this Website's terms of use are no longer applicable, and you agree to read and observe the terms of use and policies relevant to the third-party websites.  Any interaction between you and the third-party website is exclusively between you and the applicable third party.  By entering such a website, you acknowledge and agree that we do not endorse any products or services offered therein and shall hold us harmless from any harm caused by your use of the third party website, the purchase of any product or Service they may offer, as well as from any losses sustained by you or damage caused to you relating to or resulting in any way from your interaction with the third-party.  When accessing any third-party website, you should use your best judgment and exercise caution where appropriate.

Indexes

Investors cannot invest directly in an index.  Any comparisons to indices are presented to provide you with an understanding of their long-term historical performance and are not presented to illustrate the performance of any security. The inclusion of market or composite indexes, benchmarks, or other measures of relative performance in the various risk/return charts does not imply that such indexes are appropriate performance measures for a client's portfolio but instead are used solely to illustrate the risk and return characteristics of select market indexes during the period.  An index's performance does not reflect the deduction of transaction costs, management fees, or other costs and expenses, which would reduce returns.  Comparative indexes are unmanaged. References to market or composite indexes, benchmarks, or other measures of relative market performance (indexes) over a specified period are provided for information only. They do not imply that a portfolio will achieve similar returns, volatility, or other results.  An index's composition may not reflect how a portfolio is constructed about expected or achieved returns, portfolio guidelines, restrictions, sectors, correlations, concentrations, volatility, or tracking error targets, all of which may change over time.  Because of the differences between the client allocations and any indices shown, LWM cautions investors that no index is directly comparable to the performance demonstrated since each index has unique results and volatility. Such an index should not be relied upon as an accurate comparison.  

Legal, Tax & Other Professional Advice

The materials on the Website, including, without limitation, any news articles, referenced data, and other firm-specific details, are for informational purposes only and do not constitute financial, legal, tax, or other professional advice, nor do they represent that the outcomes described herein will result in any particular tax or legal consequence.  The material or transactions discussed on this Website are for information purposes only. It does not necessarily reflect LWM's current investment philosophy or process.  The information contained herein does not consider the particular investment objectives or financial circumstances of any specific person who may view it.  Before investing, you should consult with a qualified professional - a competent financial, legal, or tax advisor, or another, to aid in due diligence as proper for your situation to determine the suitability of the risk and tax consequences associated with any investment.  Your financial and planning decisions must be based on your specific due diligence, investment objectives, economic, risk tolerance, and individual financial and personal circumstances.  LWM assumes no responsibility for the tax consequences to any investor of any transaction.  Although LWM may provide summary information regarding investments or an offering, it is not providing "due diligence" on any investor's behalf and is not responsible for their final investment decisions. Nothing on this Website should be considered an offer or a solicitation to purchase or sell any particular securities offering or construed as a recommendation to buy or sell any financial vehicle

Performance  

All investments involve risk and may lose money. This Website's content exposes you to ideas and financial vehicles that may help you work towards your financial goals. Please understand that no promises or guarantees are made that you will accomplish such goals. Any historical or expected returns and probability projections reflected herein are provided for informational and illustrative purposes only. Past performance is no guarantee of future results, and any expected returns or hypothetical projections presented may not reflect actual future performance.

Furthermore, past returns may reflect the performance of assets for a finite time or during a period of extreme market activity. Asset allocation cannot eliminate the risk of fluctuating share prices or uncertain returns, and periodic investment plans do not assure a profit or protect against loss in declining markets. Diversification does not eliminate the risk of market loss. There can be no assurance that an investment or any projected or actual performance presented will lead to any projected results shown or perform in any predictable manner. It should not be assumed that you will experience returns in the future, if any, comparable to any shown or that any or all investors experienced such returns.  Past performance is no guarantee of future results, and any expected returns or hypothetical projections may not reflect actual future performance. Past returns may reflect the performance of assets for a finite time or during a period of extreme market activity. There can be no assurance that an investment or any projected or actual performance shown herein will lead to the projected results or performance in any predictable manner. It should not be assumed that investors will experience returns in the future, if any, comparable to those shown or any or all of Fund investors experienced such returns.  Projected and hypothetical performance is intended to show only an expected range of possible investment outcomes. It may not consider the effect of taxes, future investment decisions, or other factors.  Projected and hypothetical performance does not represent actual investor returns or actual investment activity and may not reflect the effect of material economic and market factors. Investors may experience different results from any hypothetical results shown. There is a potential for loss and gain, not reflected in any hypothetical information portrayed. Hypothetical performance results typically do not represent actual trading results using investor assets; they are usually achieved using the retroactive application of a model designed with the benefit of hindsight. Investors should carefully review the additional information presented by LWM for complete details on the investment offerings the Adviser represents. 

Proxy Voting

As noted within LWM's Form ADV Part 2A, neither the Adviser nor any of its Advisor Representatives will ask for or accept voting authority for client securities; clients will receive proxy material directly from the issuer of the security or their custodian.  

Risks of Investing

Investing in securities involves the risk of loss, including the possible loss of principal - the risk that the value of securities, when sold or otherwise disposed of, may be less than the price paid for the securities.  Further, depending on the distinct types of investments, varying degrees of risk will exist that an investor should be prepared to bear.  Volatility from investing can occur. The success of investment activities will be affected by global, national, and local economic and market conditions. The value of an investor's account can, at any time, be worth more or less than the amount invested.  Even when the value of securities sold is greater than the price paid, there is the risk that appreciation will be less than inflation.  The purchasing power of the proceeds may be less than the purchasing power of the original investment.  LWM does not represent or guarantee that its services or analysis methods can or will predict future results, successfully identify market tops or bottoms, or insulate clients from losses due to market corrections or declines.  Past performance is not indicative of future results, and there can be no assurance that a client's investment objectives will be obtained.  No inference to the contrary should be made; there can be no guarantee of the success of the strategies offered by LWM.  No representation is made that any investment or transaction will or is likely to achieve profits or losses similar to those produced in the past or that significant loss will be avoided; no assurances or guarantees are given regarding the performance of any investment. Diversification does not eliminate the risk of market loss. Asset allocation cannot eliminate the risk of fluctuating share prices, and uncertain returns and periodic investment plans do not assure a profit or protect against loss in declining markets. Any historical or expected returns and probability projections reflected herein are provided for informational and illustrative purposes only. There are numerous risks involved with investments, and prospective investors should consider all risk factors before investing.  There can be no assurance that investments will achieve objectives; results may vary substantially.

Tax Disclosures

Clients should confer with their tax advisors regarding the tax consequences of investing in any investment.  Clients and their tax advisors are responsible for how the transactions conducted in an investment account are reported to the IRS or any other taxing authority on the client's tax returns. LWM assumes no responsibility for the tax consequences to any client of any transaction.