Disclosures...


Your use of this website is acknowledgement that you have read and understood this complete page.

The purpose of this website is to provide information of general financial planning interest and about our services and to provide a way for you to contact us. Personalized investment advice is not rendered through this website. Our services are not completely described here and you should contact us directly if you are interested in learning more about our services.

Nothing contained on this website constitutes investment, financial, legal, tax or other advice nor is it to be relied on in making an investment or other decision. Nothing on this website should be construed as a solicitation, offer, or recommendation to acquire or dispose of any investment or to engage in any other transaction.

The information in this web site is based on data gathered from sources believed reliable. It is not guaranteed as to accuracy, does not purport to be complete, and is not intended as the primary basis for investment decisions. Additionally, it should not be construed as advice meeting the particular investment needs of any investor.

To ensure compliance with requirements imposed by IRS CIRCULAR 230, we inform you that any tax information contained in this website (including any attachments or hyperlinks) is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code nor (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

It is intended that this web site will be viewed by U.S. persons for informational purposes only. This website is not a solicitation or offer of services in any jurisdiction in which Karl Klinger, CFP®, CLU® is not qualified to do business.

Karl Klinger, CFP®, CLU® is a Registered Representative of and offers securities on a commission basis through NEXT Financial Group, Inc. -- a Broker/Dealer firm [Member FINRA/SIPC] -- in the following states: California, Florida, Georgia, North Carolina, Pennsylvania, and Virginia.

We also provide links to information off this website that we believe to be useful and accurate. However, we have no control over off-site information and cannot guarantee it's accuracy. Any links to other sites are provided merely as a convenience for informational purposes, not as referrals or endorsements.

All investments have risks and past performance is no guarantee of future performance.


CERTIFIED FINANCIAL PLANNER™

The certification marks above are owned by Certified Financial Planner Board of Standards Inc. and are awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.     www.cfp.net