Important Disclosures
WrapManager, Inc. DBA Assembly (“Assembly”) is an investment adviser located in Mill Valley, California.
Assembly and its investment adviser representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Assembly maintains clients. Assembly may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.
Assembly’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Assembly’s website on the Internet should not be construed by any consumer and/or prospective client as Assembly’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Assembly with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Assembly, please contact the SEC or the state securities law administrators for those states in which Assembly maintains a notice filing.
A copy of Assembly’s current written disclosure statement discussing Assembly’s business operations, services, and fees is available from Assembly upon written request. Assembly does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Assembly’s website or incorporated herein, and takes no responsibility thereto. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Investment Risks
Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by Assembly) or product made reference to directly or indirectly by Assembly on its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal to the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.
Articles, Newsletters & Market Commentary
All information provided in all Articles, Newsletters and Market Commentaries or other pages included on our website is for informational purposes only and no warranty is either expressed or implied by their presentation. The information presented may contain a discussion of, and/or provide access to, Assembly’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 Assembly, or from any other investment professional. Assembly manages portfolios according to each client’s specific investment needs. Therefore, each client’s portfolio has its unique set of circumstances and consequently, investment results. Assembly’s outlook may change if new information is provided by the client or if there are material changes in the market or investment recommendations. Opinions expressed on this site or in the articles accessible are subject to change without notice and, due to the rapidly changing nature of the security markets, may quickly become outdated.
Assembly is neither an attorney nor accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice. Furthermore, the prospective client is solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for the prospective client based on the prospective client’s investment objectives and personal and financial situation. The prospective client should consult with an investment professional, or an attorney or tax professional regarding their specific investment, legal or tax situation.
Inherent in any investment is the potential for loss. Information contained in our Articles, Newsletters, Market Commentaries and other areas of the website is from sources believed to be reliable. Information contained in third party articles were prepared by independent outside parties and the accuracy of any such information may have changed subsequent to the publication of the article. Assembly does not guarantee the accuracy or completeness of information in these articles and assumes no liability for damages resulting from or arising out of the use of such information.
To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Assembly’s website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Assembly, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to Assembly’s website, to release and hold harmless Assembly, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Assembly.
Social Media Disclosure
Assembly maintains a presence on third-party social media sites, including Instagram and Facebook. Assembly is not affiliated with Instagram or Facebook and has no control over how these and other third-party sites use the information you share. If you participate in these or other social networking sites, you should be familiar with their respective privacy/security policies, be knowledgeable about how account settings work, and be aware of how user information can be displayed and used throughout the site. Please remember for your own security, you should never communicate any personal or account information using these channels.
Assembly social media programs may follow another user, share or provide hyperlinks to third-party content, “like/favorite” third-party content. Doing so is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside of Assembly. All content distributed through Assembly’s social media channels are intended for U.S. residents only.
Whenever a third-party posts content to our social media properties, this information remains the responsibility of the party submitting the content and does not represent Assembly’s viewpoints or serve as an indication or guarantee of future results. Content posted on Assembly’s social media channels should not be considered a recommendation or personalized advice. Where specific advice is necessary or appropriate, individuals should consult with a qualified tax advisor, legal advisor, CPA, Financial Planner or Investment Manager pertaining to the individual situations. Posts by others that describe opinions, views or experiences may not be representative or indicative of another’s personal experience. Finally, Assembly reserves the right to remove comments received from third parties based on its established criteria.
Please keep in mind that our industry regulates how we can conduct conversations in these types of forums. So, if you don’t hear from us, don’t take it personally.
Copyright Information
All web pages are intellectual property of Assembly and are protected by copyright laws. All copyrights for Assembly web presence are owned by Assembly with all rights reserved. Any individual is allowed to view, print, and link to these pages provided they observe the following:
- The documents can only be used for non-commercial purposes.
- Our documents may not be associated with anything which is illegal, unethical or immoral.
- Our documents may only be used for informational purposes.
Cookies
Cookies. Assembly and our service providers may use encrypted or non-encrypted cookies in connection with the Assembly Site. Cookies are pieces of information that a website places in a file on your computer associated with your browser that may be used to deliver content specific to your interests and for other purposes, such as security and other account administrative functions. This information is processed passively by your browser as you surf through the Assembly Site. Cookies do not cause damage to your computer systems or files.
If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies, or to be given the choice of declining or accepting the transfer of a particular cookie, or cookies from a particular website, to your computer.
For example, cookies allow you to easily log into the Assembly Site by remembering your email address. Please note, the disabling of cookies may have an adverse effect on your website experience and could result in an unintended loss of functionality.
To learn more about this technology, or to opt out of the ad serving cookie, please visit https://optout.networkadvertising.org/?c=1. In addition, we use Google Analytics software to collect information about how you use the Assembly Site. We do this to help make sure the Assembly Site is meeting the needs of their users and to help us make improvements.
Google Analytics stores information about the pages you visit on the Site, how long you spend on each page, how you got to the Assembly Site, and what you click on while you are visiting the Assembly Site.
We do not collect or store your personal information, so this information cannot be used to identify who you are. We do not allow Google to use or share our analytics data. You can opt out of Google Analytics cookies.