WEALTHUNITE IS NOT RESPONSIBLE FOR THE OF THE DATA REFLECTED IN THIS DASHBOARD AND/OR OBTAINED FROM THIRD-PARTY SITES THAT ARE DISPLAYED OR REPORTED THROUGH THE DASHBOARD. While the Dashboard and Services may provide significant assistance in helping you manage your finances, you should not rely on this information to be accurate or to make any financial decisions/investments. You should always check your accounts at your via your custodian and or third-party account provider before making any financial decisions or investments. None of the information provided in this Dashboard should be used for tax reporting purposes, or any other tax/financial purposes. You should always consult with a professional financial advisor before making investment decisions or deciding on significant changes to your personal financial strategy.
The overall integrity and quality of the data presented in this Dashboard to you is an important element in providing you with a high quality and accurate picture of your personal finances. WealthUnite, however, is not responsible for and cannot guarantee the accuracy or timeliness of any account, transaction, or performance information displayed in the Dashboard or that the Dashboard provider retrieves on your behalf directly, from third-party technology providers, from third-party financial institutions where your accounts are held, or from third-party research/market data providers.
WealthUnite may not be able foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings, or other service interruptions. WealthUnite assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. WealthUnite encourages you to periodically confirm the valuation or execution price of particular investments through independent sources, such as the financial institution where your account is located.
Where accounts are not automatically synced from the third-party custodian, cash accounts will be updated at least quarterly. Trade related transactions will be updated within 10 days of settlement.
Maintaining the trust and confidence of clients is a high priority for WealthUnite Advisors LLC (“WealthUnite”). Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. 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.
This Privacy Policy describes how we collect and use personal information that may directly, or indirectly, identify you during and after your engagement with us and/or through our website. This Privacy Policy describes the basis upon which and for what purposes we process your personal information, how we protect your information, as well as your privacy rights under the Gramm-Leach-Bliley Act (“GLBA”) and, were applicable, under certain states’ privacy laws.
• Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, spouse/partner, children, financial goals, assets, liabilities, income, and estate planning information;
• Information about your transactions with us or others (e.g., other financial professionals); and
• Information received from credit or service bureaus or other third parties, such as your credit history or employment status.
Categories of Information We Disclose: We may only disclose information that we collect in accordance with this Privacy Policy. WealthUnite does not sell customer lists and will not sell your name to telemarketers.
Categories of Parties to Whom We Disclose: We will not disclose information regarding you or your account with us, except under the following circumstances:
• To your authorized Registered Representative and his or her manager;
• To service providers that perform services for us or function on our behalf, including financial service providers, such as a clearing broker-dealer (i.e. Schwab, Interactive Brokers, RL360, Stocktrade/Embark, Utmost, STM Life, etc.), investment company, or insurance company;
• To consumer reporting agencies,
• To third parties who perform services or marketing on our behalf;
• To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
• To our attorneys, accountants or auditors; and
• To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries.
How Your Personal Information is Collected: We collect most of this personal information directly from you—in person, by telephone, text or email and/or via our website or other third-party software providers. However, we may also collect information:
• From publicly accessible sources;
• Directly from a third -party (e.g., sanctions screening providers, credit reporting agencies, or customer due diligence providers);
• From a third-party with your consent (e.g., your bank, other financial professionals);
• Via our IT systems, including:
o Automated monitoring of our websites and other technical systems, such as our computer networks and connections, communications systems, email and instant messaging systems.
Use of Third – Party Cookies: Our Websites may use cookies and other technologies created by third-party service providers to create the full experience of your visit to our Websites and to provide us with data on Website visitation and usage. As such, these cookies and other tracking technologies collect information about you when you use our Websites. The information collected may be associated with other information about you and about your online activities over time and across different websites and other online services. You understand that such tools are created and managed by parties outside our control. As such, we are not responsible for what information is captured by such third parties or how such third parties use and protect that information.
You can visit the below sites for additional information on how you can control, block, and/or delete cookies.
• Internet Explorer cookies information
Additionally, Google has developed a browser add-on to allow users to opt-out of Google Analytics across all Sites that use this popular analytics product.
How and Why We Use Information: Information may be used among companies that perform support services for us, such as data processors, technical systems consultants and programmers, or companies that help us market products and services to you for a number of purposes, such as:
• To protect your accounts from unauthorized access or identity theft;
• To process your requests such as securities purchases and sales and where you have given consent;
• To establish or maintain an account with an unaffiliated third-party, such as a clearing broker-dealer providing services to you and/or WealthUnite;
• To service your accounts, such as by issuing checks and account statements;
• To comply with Federal, State, and Self-Regulatory Organization requirements;
• To keep you informed about financial services of interest to you.
Lawful Basis for Processing: WealthUnite may have one or more of the following lawful bases to process your personal information:
• Consent: You freely, informed, and voluntary consent to process your personal information in connection with our investment advisory services, products and our website.
• Contract: Processing your personal information is necessary to fulfill our contractual obligation to you.
• Legitimate Interests: Processing is necessary to the legitimate interests of our firm and/or third-party.
Regulation S-AM: Under Regulation S-AM, a registered investment adviser is prohibited from using eligibility information that it receives from an affiliate to make a marketing solicitation unless: (1) the potential marketing use of that information has been clearly, conspicuously, and concisely disclosed to the consumer; (2) the consumer has been provided a reasonable opportunity and a simple method to opt out of receiving the marketing solicitations; and (3) the consumer has not opted out. WealthUnite does not receive information regarding marketing eligibility from affiliates to make solicitations.
How Long Your Personal Information Will Be Kept: We will keep your personal information while you have an account with us or while we are providing investment advisory services to you. Thereafter, we will keep your personal information for as long as is necessary:
• To respond to any questions, complaints or claims made by you or on your behalf;
• To show that we treated you fairly; or
• To keep records required by law.
We will not retain your personal information for longer than necessary for the purposes set out in this policy. Please note, different retention periods apply for different types of personal information.
Our Security Policy: We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to access it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality. We maintain physical, electronic, and procedural security measures to safeguard confidential client information.
Closed or Inactive Accounts: If you decide to close your account(s) or become an inactive customer, our Privacy Policy will continue to apply to you.
Complaint Notification: Please direct complaints to Eric DiAndrea, at WealthUnite Advisors LLC, 407 Park Avenue South, 22B, New York, NY 10016, (516) 805-2024.
Changes to This Privacy Policy: This Notice was last updated on the date noted above. We may change this Notice from time to time and if we make any substantial changes in the way we use or disseminate confidential information, we will notify you via email. If you have any questions concerning this Privacy Policy, please contact us at: WealthUnite Advisors LLC, 407 Park Avenue South, 22B, New York, NY 10016, (516) 805-2024.
How To Contact Us: Please contact us and/or our Privacy Officer/Compliance officer, by post, email, or telephone if you have any questions about this privacy policy, how to exercise your rights or the information we hold about you. Our contact details are as follows: WealthUnite Advisors, Attn: Eric DiAndrea, 407 Park Avenue South, 22B, New York, NY 10016, (516) 805-2024.
This website (“Website”) is a publication of WealthUnite Advisors, LLC (“WealthUnite”), which is an SEC registered investment adviser with a primary business location in New York. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that WealthUnite has attained a certain level of skill, training, or ability. This Website is limited to the dissemination of general information pertaining to WealthUnite’s advisory services, together with access to additional financial planning and investment-related information, publications, and links. The publication of this Website should not be construed by any client or prospective client as WealthUnite’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice over the Internet. For information pertaining to the registration status of WealthUnite, please visit www.adviserinfo.sec.gov or contact the SEC or the state securities regulators for those states in which WealthUnite maintains a notice filing. Each user of this Website (“User”) is encouraged to obtain a copy of WealthUnite’s current written disclosure statement discussing WealthUnite’s business operations, services, fees, and applicable conflicts of interest, which is available from WealthUnite upon request or by searching for WealthUnite at the following link: www.adviserinfo.sec.gov.
All materials contained in this Website are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written permission of WealthUnite. Users may not alter or remove any trademark, copyright or other notice from copies of the content.
Except as prohibited by law, and as a condition precedent to accessing this Website, each User agrees to release and hold harmless WealthUnite, its members, managers, officers, directors, owners, employees, agents, and affiliates from any and all adverse consequences resulting from any actions or omissions that are independent of receiving personalized individual advice from WealthUnite. The preceding sentence shall not limit or waive any applicable User rights under federal or state law, including securities laws and fiduciary obligations that cannot be limited or waived.
Any hyperlinks on this Website are provided as a convenience. WealthUnite 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 the Website or incorporated herein, and takes no responsibility for the same. All such information is provided solely for convenience, educational, and informational purposes only, and all Users are guided accordingly.
To the extent that any User accesses any economic calculator or similar interactive device contained within or linked to the Website, the User acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, as the receipt of, or a substitute for, personalized individual advice from WealthUnite, or from any other investment professional.
Past performance is no guarantee 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 or investment strategy (including those undertaken or recommended by WealthUnite), will be profitable or equal any historical performance level. All investment strategies have the potential for profit or loss. Investment strategies such as asset allocation, diversification, and rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There is no guarantee that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Any target referenced on this Website is not a prediction or projection of actual investment results and there can be no assurance that any target will be achieved. Changes in investment strategies, contributions or withdrawals may materially alter the performance of an individual’s portfolio. Economic factors, market conditions, and investment strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark. Projections, forecasts and estimates referenced on the Website are not purely historical in nature and are therefore necessarily speculative and subject to material variation.
Certain portions of the Website (e.g., newsletters, articles, videos, audio files, commentaries, indexes, etc.) may contain a discussion of, and/or provide access to WealthUnite’s (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, these discussions may no longer be reflective of current positions or recommendations. While information presented is believed to be factual and up-to-date, WealthUnite does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No User should assume that the publication of any of this material serves as the receipt of, or a substitute for, personalized advice from WealthUnite or from any other investment professional. Users should not use any Website content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted and/or independent due diligence should be conducted before implementing any of the options referenced in the Website content. WealthUnite is neither a law firm nor an accounting firm. The tax and estate planning information provided is general in nature. It is provided for informational purposes only, and should not be construed as legal or tax advice. Users, clients, and prospective clients should consult an attorney or tax professional regarding their specific legal or tax situation.
A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) rollover to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If WealthUnite recommends that a client rollover their retirement plan assets into an account to be managed by WealthUnite, WealthUnite acknowledges that it is a “fiduciary” under ERISA. This recommendation creates a conflict of interest if WealthUnite will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by WealthUnite.
A client or prospective client with legacy pensions in the UK typically has five options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the current plan, if permitted, (ii) rollover the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to a self-invested personal pension (SIPP), or (iv) rollover the assets to a qualifying recognised overseas pension scheme (QROPS) (which could trigger a 25% tax on your transfer if you do live in the country where the QROPS is based), or (v) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If WealthUnite recommends that a client rollover their retirement plan assets into an account to be managed by WealthUnite, WealthUnite acknowledges that it is a “fiduciary” under ERISA. This recommendation creates a conflict of interest if WealthUnite will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by WealthUnite.
WealthUnite's blog on this Website is for informational purposes only and does not constitute a recommendation to buy or sell securities. You should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. You should consult your legal or tax professional regarding your specific situation. Certain sections of this commentary may contain forward-looking statements that are based on our reasonable expectations, estimates, projections, ,and assumptions. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.
This Website may contain links to other third-party websites, including links to the websites of companies that provide related information, products, and services. These external links are provided solely for the convenience of visitors to this Site, and the inclusion of such links does not necessarily imply an affiliation, sponsorship, or endorsement of those links. WealthUnite does not endorse, approve, certify, or control these external Internet addresses and cannot guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. The performance and composite information shown on this Site uses or includes information obtained from third-party sources. Third-party data is obtained from sources believed to be reliable but WealthUnite cannot guarantee the accuracy, timeliness, completeness, or fitness of any third-party data.
