Important Considerations
The information in this Site is directed at, and is intended for distribution to, and use by, persons in the US only. It is not intended for distribution to, or use by, any person in any other jurisdiction.
By visiting this site, you are indicating that you are at least 18 years old, and you agree to be bound by all of the terms and conditions set forth below.
This Site is for informational purposes only and does not express an opinion or constitute an offer by Holos or any of its officers, directors, employees or agents to buy or sell any particular security or financial instrument or to provide any investment advice or service. All investment management services are offered through the presentation of Securities and Exchange Commission Form ADV, personal contact with Holos representatives and the execution by you and Holos of an investment advisory agreement.
The information in the Site is descriptive of the investment strategies of Holos and the services and strategies described may not be available to, or suitable for you. Any strategy selected must be consistent with your investment objectives, time horizon and financial goals as well as needs.These services may be subject to change without reference or notification to you.
The value and income of any of the securities or financial instruments in your portfolio with Holos may decline as well as rise and you may get back less than you invested, which is to say that past performance is no guarantee of, nor even necessarily a guide to, future results. Your account is not a bank deposit or insured by the FDIC. You may lose all or a portion of your principal. Using diversification and asset allocation as part of an investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets. Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or negative effect on the value, price or income of such securities.
Holos and its officers, directors and employees trade securities for their own accounts and may at any time be long or short any securities or financial instruments in a client’s portfolio and may purchase or sell such securities at different times than Holos may act for its clients.
The investment services described in this Site may often have tax consequences; however, Holos does not provide tax advice. Any discussion of such issues is not meant to be comprehensive and may be subject to change and subjective interpretation. We encourage clients to consult with their own tax advisors in order to understand the tax consequences of maintaining an account with Holos.
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This Site may contain facts, opinions, data and recommendations (including forward looking statements) of third parties or organizations that Holos believes to be reliable, but Holos does not warrant or guarantee the accuracy of such information or otherwise endorse the views of such organizations. Holos shall have no liability to you for any loss or injury resulting from use of or dissemination of information in this Site. Nor shall Holos be liable to you or anyone else for any action taken, decision made or transaction conducted in reliance on this Site or its content.
DEFINITIONS
- Diversification: Investing in a number of different types of securities in order to hedge against certain risks of individual securities in the portfolio. Ideally, this reduces the risk inherent in any one investment, and increases the possibility of making a profit, or at least minimizing a loss.
- Market Capitalization: A measurement of the size of a business enterprise that is equal to the share price times the number of shares outstanding (shares that have been authorized, issued, and purchased by investors) of a publicly traded company.
- Liquid products: Products that can easily be converted to cash with minimal financial impact.
- Fair Value: Value as determined by factors including underlying fundamentals, such as dividend yield and GDP growth.
RISK DISCLOSURES
Investing has inherent risks that investors should know and understand. These risks include:
- Market Risk: The possibility that the investment will decline in value so that when you sell the stock you may receive less than what you paid for it.
- Political Risk: National, international and political risk is the possibility that a country's government will suddenly change its policies. Wars, embargos, coups and the appointments of individuals with unfavorable economic policies can impact the financial markets. Changes in tax structures as well as changes in bond or stock ratings can result.
- Economic Risk: The possibility that the economy will suffer a downturn as a whole. An economic downturn generally affects the market as a whole.
- Industry Risk: The possibility that a specific industry will suffer a downturn. Typically, industries related to the one experiencing problems would suffer as well.
- Currency Risk: The adverse variation in return or cost resulting from a change in currency exchange rates. This can also be described as the component of return volatility in a cross-border asset class that is due to changes in foreign exchange rates.
- Interest-Rate Risk: Fixed-income securities are subject to market value fluctuations given changes in the level of interest rates. For example, if interest rates rise, the value of fixed-income securities could decline.
- Reinvestment Risk: Since many fixed-income securities pay interest semiannually, the reinvestment of coupon payments over the life of the bond can have a major impact on the bond's total return.
- Credit/Event Risk: Certain fixed-income securities are subject to event risk and/or changes in credit quality. Issuers can experience increased competition, takeovers and other economic situations that may have adverse effects on the market value of their securities.
- Call Provisions: When evaluating the purchase of a fixed-income security, one should be aware of any features that may allow the issuer to call the security. This is particularly important when considering an issue that is trading at a premium to its call price, since the return may be negatively impacted if the issue is redeemed.
All investing involves risks of fluctuating prices and the uncertainties of rates of return and yield inherent in investing. Foreign investing does pose special risks including currency fluctuation and economic and political risks not found in investments that are solely domestic. Investments in emerging markets may be more volatile and therefore the risk to your capital could be greater. Further, the economic and political situations in emerging markets may be more volatile than in established economies and these may adversely influence the value of investments made. Investing in stocks of Small- and Mid-Sized Companies may entail greater volatility and less liquidity than larger companies. Concentration of investments in one or more real estate industries, may subject the performance to greater volatility than a portfolio which is less concentrated. Risks of the REIT's are similar to those associated with direct ownership of Real Estate, such as changes in real estate values and property taxes, interest rates, cash flow of underlying real estate assets, supply and demand, and the management skill and credit worthiness of the issuer. Alternative Investments have various risks including that some products use leverage and other speculative techniques that may increase the risk of loss, can be illiquid, may not provide timely and accurate pricing, may involve complex tax consequences, may charge high fees, and may not be transparent.
UNISON ADVISORS
Unison, Unison Advisors, and the Equity Bias, Low Volatility Equity Bias, Debt Bias, and Low Volatility Debt Bias asset allocation strategies (collectively, the “Unison Strategies”) are each service marks of Unison Advisors LLC. Unison has no relationship to Holos Asset Management, LLC (the “Advisor”), other than the licensing of the Unison Strategies and its service marks for use in connection with Advisor’s services.
Unison does not: (1) sponsor, endorse or promote the Advisor; (2) have any responsibility or liability for the administration, management or marketing of the Advisor; (3) recommend that any person invest in securities generally or in accordance with the Unison Strategies; (4) consider the needs of the Advisor, the Advisor’s clients or any other person in determining, composing or calculating the Unison Strategies or have any obligation to do so.
UNISON WILL HAVE NO LIABILITY IN CONNECTION WITH THE ADVISOR. UNISON HAS NOT INDEPENDENTLY VERIFIED THIS MATERIAL AND MAKES NO REPRESENTATION OR WARRANTY AS TO ITS ACCURACY OR COMPLETENESS. SPECIFICALLY, UNISON MAKES NO WARRANTY, EXPRESS OR IMPLIED, AND UNISON DISCLAIMS ANY WARRANTY ABOUT: (1) THE RESULTS TO BE OBTAINED BY THE ADVISOR, THE ADVISOR’S CLIENTS OR ANY OTHER PERSON IN CONNECTION WITH THE USE OF THE UNISON STRATEGIES AND THE DATA INCLUDED IN THE UNISON STRATEGIES; (2) THE ACCURACY OR COMPLETENESS OF THE UNISON STRATEGIES AND ANY RELATED DATA; (3) THE MERCHANTABILITY AND THE FITNESS FOR A PARTICULAR PURPOSE OR USE OF THE UNISON STRATEGIES AND/OR ITS RELATED DATA. UNISON WILL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS IN THE UNISON STRATEGIES OR RELATED DATA.
UNDER NO CIRCUMSTANCES WILL UNISON BE LIABLE FOR ANY LOST PROFITS OR INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES OR LOSSES, EVEN IF UNISON KNOWS THAT THEY MIGHT OCCUR. THE LICENSING AGREEMENT AMONG THE ADVISOR AND UNISON IS SOLELY FOR THEIR BENEFIT AND NOT FOR THE BENEFIT OF ANY THIRD PARTIES. |
