Important Disclosures

Harman, Rogowski, & Associates (“Harman Rogowski”) is a Texas state registered investment adviser located in McKinney, Texas. Harman Rogowski may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Harman Rogowski’s web site 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 Harman Rogowski’s web site on the Internet should not be construed by any consumer and/or prospective client as Harman Rogowski’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 Harman Rogowski 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 Harman Rogowski, please contact the state securities regulators for those states in which Harman Rogowski maintains a registration filing.  A copy of Harman Rogowski’s current written disclosure statement discussing Harman Rogowski’s business operations, services, and fees is available from Harman Rogowski upon written request. Harman Rogowski 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 Harman Rogowski’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Harman Rogowski) made reference to directly or indirectly by Harman Rogowski in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal 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.

Please remember that 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 Harman Rogowski), will be profitable or equal any historical performance level(s).

Certain portions of Harman Rogowski’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Harman Rogowski (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 Harman Rogowski, or from any other investment professional. Neither Harman Rogowski or its principal is  an attorney or  a practicing accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.  

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Harman Rogowski’s web site, 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 Harman Rogowski, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Harman Rogowski’s web site, to release and hold harmless Harman Rogowski, 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 Harman Rogowski.

Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Harman, Rogowski, & Associates [“Harman Rogowski”]), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Harman Rogowski. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Harman Rogowski is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the Harman Rogowski’s current written disclosure Brochure discussing our advisory services and fees is available for review upon request or at www.harmanrogowski.com. Please Note: Harman Rogowski 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 Harman Rogowski’s web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Please Remember: If you are a Harman Rogowski client, please contact Harman Rogowski, 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, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.  Unless, and until, you notify us, in writing, to the contrary, we shall continue to provide services as we do currently. Please Also Remember to advise us if you have not been receiving account statements (at least quarterly) from the account custodian.

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