Website Disclosure

Investment advice is offered through APO Financial Services, LLC (“APO”), 10155 Westmoor Drive, Suite 175 Westminster, Colorado 80021-2627 an investment adviser registered with the Securities and Exchange Commission. Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services offered, or that or its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to APO are available at Additional information pertaining to APO’s registration status, its business operations, services and fees and its current written disclosure statement is available on the SEC’s Investment Adviser public website at

Insurance and fixed annuity products are offered through our affiliates, Asset Protect One, Inc. and/or APO Financial Services, Inc.
No person associated with APO or its affiliates is a licensed attorney or tax professional and nothing on this website should be considered tax or legal advice.

Information relating to annuities is intended for educational purposes only and should not be construed as comprehensive or all inclusive. Therefore, i t should not be regarded as a complete analysis of the subjects discussed and should not be used to make an investment decision.

Annuities can be an important part of an overall portfolio, but may not be appropriate for everyone. Before purchasing an annuity, it is important to understand details of the product. Certain products may not be available i n your state. The terms of each indexed annuity varies. It is always important to speak to a financial professional. about an annuity’s features, benefits and fees, and whether an annuity i s appropriate for you, based on your financial situation and objectives. Participation rates, cap rates and/or index spreads may be subject to change by the insurance company according to the annuity contract provisions. If the insurance company makes such changes, this could adversely affect the return. Guarantees of an Indexed Annuity are backed by the claims paying ability of the underwriting insurance company. The surrender charge period for a product may be longer and the surrender charges may be higher than other annuity products. Indexed Annuities are long-term investments. If the annuity contract i s surrendered early, there i s the possibility of a surrender charge being imposed and/or the funds may be subject to income taxes. The IRS may also impose a 10% penalty on withdrawals prior to age 59 ½, depending on the circumstances. With indexed annuities, there i s the potential to lose money, depending on the product charges and minimum guarantee contract provisions. For additional information on annuities, reference the following web sites: The FINRA ( the Securities and Exchange Commission ( Insured Retirement Institute ( the National Association of Insurance Commissioners ( or your state’s Insurance Department.

This Website is intended to provide general information pertaining to APO’s investment advisory and management services and insurance services offered through APO Financial Inc. and Asset Protect One, Inc. and additional general investment and insurance related information, publications, and links. Accordingly, it should not be construed by any consumer and/or prospective client as solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment or insurance advice for compensation.

Content provided is in connection with advertising and marketing the services offered by APO and its affiliates, APO Financial Inc. and Asset Protect One, Inc. Therefore, this Website or its content should not be construed to suggest a specific course of action or any action at all. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, insurance, legal or tax professional that takes into account all of the particular facts and circumstances of an investor’s own situation. Clients who engage APO must be aware that past performance is no guarantee of future performance, 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 by us after engaging our services will be profitable or equal any historical performance level(s).

This website may contain links to articles or other information contained on a third party website. APO does not endorse or accept responsibility for the content, or the use of the third party website. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. APO assumes no liability for any inaccuracies, errors or omissions in or from any data or other information provided on the third party website and inclusion or reference by APO to any third party site should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

Links to APO and its affiliates social media presence on Facebook, LinkedIn, Twitter and YouTube are provided for marketing purposes. It is important to be aware that APO, Asset Protect One, Inc. or APO Financial, Inc. is not affiliated with any social media site. It is up to you to read and understand the privacy policies and terms of service for each social media site you participate in. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by any third parties on social media sites. We have no control over how the social media sites or other third parties will use the information visitors share. We do not control, serve, adopt or endorse any content that may be published on any social media site. No part of any social media site is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment or insurance advice.

No client was compensated to follow us on any social media page or connect with us on social media. Clicking the “Like” button does not constitute a testimonial for or endorsement of our firm, any associated person, or our services. Clicking the “Like” button is merely a mechanism to circulate our Facebook page. The appearance of people that have chosen to follow or “like” our social media or connect with APO, its investment advisor representatives or its affiliates on social media does not constitute a testimonial for endorsement of APO or its investment advisor representatives or affiliates, or any services APO or its investment advisor representatives or affiliates provide. It is not known whether such individuals approve or disapprove of our services. Visitors must avoid posting positive reviews of their experiences with APO services on social media sites , as such reviews are deemed testimonials and prohibited under state and federal securities laws and may not reflect the experiences of all clients of APO or our affiliates. Because federal and state securities laws prohibit testimonials, any such postings are subject to swift removal.

The entire content of social media sites that we participate in, including third party posts, is archived by APO to comply with securities regulations. We do not provide investment advisory services or permit financial transactions be conducted through any social media site. Specific financial questions on account information can’t be posted by a client or an advisor and any such postings are subject to swift removal. Should any client of APO have specific questions or concerns relating to your account(s), please contact our office directly. You should not communicate or private message APO or your investment advisor representative through social media. As convenient as it is to message people within social media sites, APO or its investment advisor representatives are not permitted to return messages within social media channels and cannot protect your privacy when you use social media sites. We will respond, but will do so from our monitored business email account.

We appreciate the time you took to learn how to connect with us online, and we look forward to providing you with interesting content.