Terms of Use
Please read these terms and conditions of use (“Terms”) carefully before using the website or any of the information or services provided by APO Financial Services, LLC or its affiliated companies (collectively “APO”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by APO in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.
APO reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
These Terms were last updated on September 22, 2022.
This website and information provided are for marketing, guidance and information purposes only Websites such as this are not impartial and are provided in connection with advertising and marketing of the services offered by APO Financial Services, LLC or its affiliated companies.
Important
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 its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to APO are available at https://apofinancial1.wpengine.com. 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 https://www.adviserinfo.sec.gov.
APO does not attempt to furnish personalized investment advice or services through this website. Nothing on this website should be construed as personalized investment, legal, tax or insurance advice and any information contained herein should not be considered as a recommendation for any specific investment product, strategy, plan feature or other purposes. We are not suggesting that the recipient or any other person take a specific course of action or any action at all.
This website is limited to the dissemination of general information pertaining to the advisory services offered and the services offered by our affiliates solely to gain an understanding of our services so that you may contact us or our affiliates for further information. Photos and images on this Website are not of past or present clients of APO or any of its Affiliates. These photos should not be construed as an endorsement of APO or its affiliates by any client.
APO Financial provides investment advisory and related services for clients nationally and maintains all applicable registration and licenses as required by the various states in which it conducts business, as applicable. APO renders individualized responses to persons in a particular state only after complying with all notice filing and regulatory requirements, or pursuant to an applicable state exemption or exclusion. Please contact us at 720-588-2000 to find out if investment advisory services are provided in the state where you reside. Any subsequent, direct communication by us 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.
An investment advisory relationship can only be established and investment advice can only be provided after the following three events have been completed: (1) our thorough review with you of all the relevant facts pertaining to a potential engagement; (2) the execution of a written advisory agreement; and (3) delivery of our Form ADV Disclosure Brochures and the Brochure Supplement for each advisory person supporting a particular client. You may obtain a copy of these disclosures on the SEC website at https://www.adviserinfo.sec.gov or you may Contact Us at 720-588-2000 to request a free copy via pdf or hardcopy.
Prior to making any investment or financial decisions, an investor should seek individualized advice from a qualified professional that takes into account all of the particular facts and circumstances of an investor’s personal situation.
Except as prohibited by law, each client and prospective client agrees, as a condition precedent to his/her/its access to APO’s website to release and hold harmless APO, 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 APO.
Maintaining your trust and confidence is among our highest priorities. We recognize that protecting the privacy and security of our clients is an important responsibility. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. For a copy of our Privacy Policy please contact us at 720-588-2000.
If you are a current Client it is important to remember that it is your responsibility to notify us, in writing, if there are any changes in your personal/financial situation or investment objectives forthe purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or modify any reasonable restrictions to our investment advisory services.
Risk Disclosure
You must be aware 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 by us will be profitable or equal any historical performance level(s). Information regarding investment services are provided solely to gain an understanding of our investment philosophy and our strategies and should not be construed as personalized investment advice
Information relating to annuities is intended for educational purposes only and should not be construed as comprehensive or all-inclusive. Therefore, it 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 the details of the product. Certain products may not be available in 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 is 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 is surrendered early, there is 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 is the potential to lose money, depending on the product charges and minimum guarantee contract provisions. For additional information on annuities, reference the following websites: The FINRA (www.FINRA.org), the Securities and Exchange Commission (www.SEC.gov), Insured Retirement Institute (www.irionline.org), the National Association of Insurance Commissioners (www.NAIC.org) or your state's insurance department.
Conflict of Interest
Certain of our representatives are licensed insurance agents of our affiliated or non-affiliated companies. and, in that capacity, may recommend on a fully disclosed basis the purchase of certain securities or insurance-related products. These individuals are compensated for the sale of these products. The recommendation by a representative of APO that a client purchase a commission-based product presents a conflict of interest, as the receipt of commission may provide an incentive to recommend products based on commissions received rather than on a particular client’s need. It is important to review your representative’s Brochure Supplement to be aware if any such conflicts exist.
No client is under any obligation to purchase any commission-based products from a representative of APO. Clients are reminded that they may purchase insurance-related products recommended by APO representatives through other, non-affiliated representatives and/or companies.
APO and its representatives are required to disclose all material conflicts of interest in its Form ADV Brochure. You should review our Form ADV Brochure carefully to understand such conflicts prior to engaging our services and Clients should review any material changes to our Form ADV Brochure which is required to be delivered to you.
Links to Third-Party Content
This Website may contain additional investment-related information, Market data, articles and other content based on generally available information believed to be reliable. The website may contain links to articles or other information that are contained on a third party website. APO does not endorse or accept responsibility for the content, or the use of the 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 pages. Accordingly, the publication of this website on the Internet 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.
Social Media
While we may have an established presence on one or more social media pages, We are not affiliated with Facebook, LinkedIn, Twitter, Youtube, Google+, Instagram or any other 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 you 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, tax or any other advice.
No client was compensated to follow any social media page or connect with us. The appearance of those people that have chosen to follow or like our social media pages or connect with us does not constitute a testimonial for endorsement of APO or its affiliates, or any of our services. It is not known whether such individuals approve or disapprove of our services. It’s also important to note that specific financial questions on account information can’t be posted, by a client or an advisor. Due to industry regulations, please do not post any comments on social media pages. 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 customer service or enable financial transactions through any social media site. Should any client of the firm have questions or concerns that are specific to their account(s), please contact our office directly. You should never post personal, account or transaction information anywhere on any social media site. As convenient as it is to message people within social media, we will not be able to return messages within those social media channels. We will respond, but will do so from our business email account.
Investor Resources
It is often difficult for investors to find unbiased investment information. Please see the following Sites provided by the Securities and Exchange Commission (“SEC”) and FINRA two of the most important regulators of the investment industry: http://investor.gov/, http://www.finra.org/investors/
Learn More
We appreciate the time you took to learn how to connect with us online, and we look forward to providing you with interesting industry content.
If you have any questions regarding our policies, please call us at 720-588-2000.