HARRIS myCFO®
Harris myCFO® is a brand delivering services through Harris myCFO, LLC an investment advisor registered with the Securities and Exchange Commission; and certain divisions of BMO Harris Bank, N. A. a national bank with trust powers. Not all products and services are available in every state and/or location.
ASSETS UNDER MANAGEMENT
Assets under Management (“AUM”) for Harris myCFO® represents the combined discretionary and non-discretionary assets under management of Harris myCFO, LLC and certain divisions of BMO Harris Bank N.A.
Assets under Administration (“AUA”) for Harris myCFO® represents the combined discretionary, non-discretionary and consulting assets for which Harris myCFO, LLC, an investment advisor registered with the Securities and Exchange Commission and certain divisions of BMO Harris Bank N.A. provide services including: investment advisory, administrative and/or point in time investment due diligence and analysis.
Forward Looking Statements
The statements made herein take into account information currently available as well as historical trends. However, any forward-looking statement involves known and unknown risks, uncertainties and other factors that may cause the actual performance of future markets to differ materially from the projections depicted here. There can be no certainty as to the extent or depth of any market downturn, nor any assurance regarding the nature, extent or timing of markets rebounding. When evaluating the information included in this report, you are cautioned not to place undue reliance on these forward-looking statements, which reflect judgments only as of the date of the materials creation.
CIRCULAR 230
United States Department of Treasury Regulation Circular 230 requires that we notify you that this information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. Harris myCFO, LLC and its affiliates does not provide legal advice. You should review your particular circumstances with your independent legal and tax advisors.
BMO and BMO Financial Group are trade names used by Bank of Montreal.
STATEMENTS OF OPINION INCLUDING CASE STUDIES
The information and opinions expressed herein are obtained from sources believed to be reliable and up-to-date, however their accuracy and completeness cannot be guaranteed. Opinions expressed reflect judgment current as of the date of this publication and are subject to change. Opinions expressed are current as of the date of the materials and are subject to change.
The materials on this site should in no way be construed as investment advice nor a solicitation to buy or sell securities. No investment actions should be implemented based on the materials presented herein.
Asset Class Disclosures
International Investing
International investing, especially in emerging markets, involves special risks, such as currency exchange and price fluctuations, as well as political and economic risks. There are risks involved with investing in small cap companies, including price fluctuations and lower liquidity.
Alternative Investments
Alternative Investments involve a high degree of risk, often engage in leveraging and other speculative investment practices that may increase the risk of investment loss and can be highly illiquid.
REITs
REITs may be subject to greater volatility than investments in traditional securities and pose special risks. The value of real estate and portfolios that invest in real estate may fluctuate due to losses from causality or condemnation, changes in local and general economic conditions, supply and demand, interest rates, property taxes, and regulatory limitations on rents, zoning laws, and operating expenses.
Commodities
Commodities may be subject to greater volatility than investments in traditional securities and pose special risks. Investments in commodities may be affected by overall market movements, changes in interest rates, and other factors such as weather, disease, embargoes and international economic and political developments.
High Yield Bonds
High yield bonds may be subject to greater volatility than investments in higher rated bonds. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, market risk, and credit risk.
Indices
Index performance is shown as total return. You cannot invest directly in an index.
Professional Designations
CFP
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. http://www.cfp.net/downloads/MUG.pdf
CFA
Chartered Financial Analyst (CFA) charter is a professional designation established in 1962 and awarded by the CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charterholders must have at leas fours years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.
http://www.cfainstitute.org/aboutus/policies/cfaguide.html
ADV Disclosure
To receive a copy of the Harris myCFO, LLC FORM ADV Parts 2(A) or (B) please contact the firm directly at (877) 692-3611.
ESTATE PLANNING requires legal assistance, which Harris myCFO, LLC, BMO Harris Bank N.A. and their affiliates do not provide. Consult your personal legal advisor.
This information is being used to support the promotion or marketing of the planning strategies discussed herein. You should review your particular circumstances with your independent legal and tax advisors prior to implementing any legal or tax strategy
Please read these terms, conditions and disclaimers carefully.
By accessing this website, you agree to be bound by all of these terms and conditions. BMO Harris may change these terms and conditions, including the addition of new terms and conditions, from time to time without notice by posting the most recent version on sites within www.harrisbank.com.
Please access and review this Legal section regularly. If you find any of the terms or conditions unacceptable to you at any time, please discontinue your use of this website. By continuing to access this website after the date of any changes to these terms and conditions, you agree to be bound by the new or changed terms and conditions.
These terms and conditions are in addition to those that apply to any accounts you may have with BMO Harris. Where appropriate, please review those specific terms and conditions.
Non-Responsibility
Harris myCFO® is not responsible for any losses or damages you may incur if you communicate confidential information to us over the Internet, or if we communicate such information to you at your request.
Use of Information Included on This Website
The financial market data, including quotes, charts and news, are provided by various information suppliers that are independent of Harris myCFO® and its affiliates. The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our website to your particular circumstances. You should consult directly with a Harris myCFO® professional or your tax or legal advisor or other financial provider before acting on any information on this website.
Accuracy and Changes
Facts and information, when placed on this website, were believed to be accurate. Completeness or accuracy of the information provided herein is not guaranteed.
Hyperlinks Are Not Endorsements
Links to other websites or references to other products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by Harris myCFO® or its affiliates. Third-party websites reached through links from our website may also have privacy and security policies different from Harris myCFO® and its affiliates, and may provide less security. We are not responsible for the collection, use or security of information by companies outside of Harris myCFO® that may be linked to on our website. Please review the privacy and security policies of websites reached through links from the Harris myCFO® website.
Trademarks Belonging to Harris myCFO® or Other Website Entities
Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute registered trade names, trademarks or service marks of BMO Harris or other entities. The display of the above on pages at this website does not imply that a license of any kind has been granted. Any unauthorized downloading, retransmission or other copying or modification of the above and/or the contents herein may be a violation of the law and could subject those engaging in such activities to legal action.
Some registered trade names, trademarks or service marks contained on this website include, but are not limited to, the following:
TM*—Netscape is a registered trademark and Netscape Navigator is a trademark of Netscape Communications Corporation.
TM**—JavaScript is a registered trademark of Sun Microsystems, Inc.
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®!—MasterCard is a registered trademark of MasterCard International.
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Copyright Harris 1996, 1997, 1998, 1999, 2000, 2001, 2004
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Disclaimer of Warranty and Limitation of Liability
BMO HARRIS AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEBSITE, NOR DOES IT MAKE ANY WARRANTS AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.
SUCH INFORMATION OR TOOL IS PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.
BMO HARRIS AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM THE USE OR MISUSE OF THIS WEBSITE, OR THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORSEEABLE.
Important Notices
If you choose to access any software available through links from this website, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software.
“The National Philanthropic Trust is not an affiliate of Harris myCFO® or any affiliate of Harris myCFO®.” Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.
