Disclosures

Important Disclosure Information

The information herein has been prepared by Apexium Financial, LP (“Apexium” or the “Firm”) for informational purposes only. Apexium is a registered as an Investment Advisor with the Securities and Exchange Commission. Please note that such registration does not constitute an endorsement of Apexium, nor does it indicate that Apexium has attained any particular level of skill or ability.

Past performance is not necessarily indicative of future results. Apexium does not guarantee any minimum level of investment performance or the success of any investment strategy or investment portfolio. There is a potential for loss in any investment, including loss of principal invested. All investments involve risk, and different types of investments involve varying degrees of risk. Investment recommendations by Apexium will not always be profitable. No representation is hereby made that any Apexium client account will or is likely to achieve profit or losses similar to those discussed herein. Nothing herein should be considered investment advice or a recommendation to buy or sell any types of securities.

Tax laws are complex and subject to change. Neither Apexium, nor its affiliates or employees, are in the business of providing tax or legal advice.  Individuals are encouraged to consult their tax and legal advisor(s) regarding their particular circumstances, and any potential tax or legal-related matters.

The strategies and/or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.  Information presented herein comes from sources deemed reliable by Apexium, but we cannot guarantee their accuracy or completeness. The information provided reflects the views of the authors as of a particular time and are subject to change at any time without notice. Important information regarding Apexium, its services, compensation, and conflicts of interest, is contained in its Form ADV, Part 2A of Form ADV and Form CRS, which is available here.

Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services Offered Through Apexium Financial LP. Apexium Financial LP is independently owned and operated.

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Professional Designation Definitions

1. CERTIFIED FINANCIAL PLANNER™ (CFP^®)

The CFP^® designation is issued by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. and is a voluntary certification recognized by the United States and other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice and (3) ethical requirements governing professional engagements with clients. A candidate for designation must first obtain a bachelor’s degree from an accredited college or university with courses that included financial planning subject areas (e.g. insurance planning, risk management, employee benefits planning, investment planning, income tax planning, retirement planning and estate planning). Candidates must also have at least 3 years of full-time personal financial planning experience, measured as 2,000 hours per year. CFP^® candidates must pass a 2-day comprehensive examination designed to test their ability to correctly diagnose financial planning issues and apply their knowledge to real world circumstances. Candidates must also agree to be bound by the CERTIFIED FINANCIAL PLANNER Board’s Standards of Professional Conduct. Anyone earning designation as a CFP^® must complete 30 hours of continuing education every two years and renew the agreement to be bound by the Standards of Professional Conduct.  For additional information on the CFP^® please visit here.

2. The CHARTERED FINANCIAL ANALYST™ (CFA^®)

The CFA charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. There are currently more than 90,000 CFA charter holders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. High Ethical Standards. The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charter holders to:

• Place their clients’ interests ahead of their own
• Maintain independence and objectivity
• Act with integrity
• Maintain and improve their professional competence
• Disclose conflicts of interest and legal matters

Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses.  

Comprehensive and Current Knowledge

The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning.

The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession.  For additional information on the CFA^® please visit here.

3. Certified Public Accountant (CPA)

A CPA primarily provides financial audit services, including attesting to the reasonableness of disclosures, freedom from material misstatements and adherence to applicable generally accepted accounting principles. To become a CPA, a candidate must pass the Uniform Certified Public Accountant Examination set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Typically, eligibility to sit for the examination requires a candidate to have a bachelor’s degree that includes a minimum number of qualifying credit hours in accounting and business administration plus an additional one-year study. Candidates are also required to have public accounting work experience, with minimum requirements varying from state to state. Applicants for CPA status must also complete a special examination on ethics, including a review of state specific rules for professional practice. All CPAs are required to take continuing education courses. The requirements vary by state but usually require 120 hours of continuing education every three years with at least 20 hours taken every year. Many states require CPAs to take an ethics course during every renewal period, with courses ranging from 2-8 hours.  For additional information on the CPA please visit here.

4. Certified Fund Specialist (CFS)

The CFS^® designation is made available through the Institute of Business & Finance (“IBF”). Candidates must have a bachelor’s degree or 2,000 hours of financial services work experience. The CFS program consists of 6 modules: (1) Regulation, Structure, Expenses, and Titling; (2) Management and Fund Selection, Risk Management, Equities, Fixed-Income & Hybrids; (3) Tax-Free Bonds, Money Market, Specialty Categories, and Time Value Analysis; (4) Asset Categories, Market Indicators, CEFs, ETFs, and REITs; (5) Risk, Timing the Market, When to Sell, and Taxation; (6) Basics of Asset Allocation, The Efficient Frontier, Optimal Asset Allocation, Core-Satellite Strategy, Modern Portfolio Theory (“MPT”). 30 hours of continuing education are required every 2 years to maintain this designation.  For additional information on the CFS please visit here.

5. Certified Investment Management Analyst^® (CIMA^®)

The CIMA^® certification is an asset management credential administered through the Investments and Wealth Institute to individuals who meet its experience, ethical, education and examination requirements.  Prerequisites for the CIMA designation include three years of financial services experience and an acceptable regulatory history.  In order to obtain the CIMA certification, candidates must successfully complete a one-week classroom education program at an accredited university business school and pass an online certification examination.  CIMA designees are further required to adhere to the Code of Professional Responsibility and Standards of Practice on an ongoing basis.  CIMA designees must also report 40 hours of continuing education credits on a biannual basis in order to maintain the designation.  For additional information on the CIMA^® please visit here.

6. Certified Private Wealth Advisor^® (CPWA^®)

The CPWA^® designation is issued by the Investments and Wealth Institute. The CPWA^® designation signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for the professional designation, which is centered on management topics and strategies for high-net-worth clients.  Prerequisites for the CPWA^® designation are a Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA^®, RMA^®, CFA^®, CFP^®, ChFC^® or CPA license; acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements; five years of professional client-centered experience in financial services or a related industry; and complete a comprehensive background check. CPWA^® designees must complete a six-month pre-class educational component and a five-day classroom education program through The University of Chicago Booth School of Business. CPWA^® designees are required to adhere to the Investments & Wealth Institute’s Code of Professional Responsibility and the appropriate use of certification marks. CPWA^® designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification.  For additional information on the CPWA^® please visit here.

7. Accredited Investment Fiduciary^® (AIF^®)

The AIF designation represents a thorough knowledge of and ability to apply the fiduciary Practices. Through fi360’s AIF Training programs, AIF designees learn the Practices and the legal and best practice framework they are built upon. AIF designees have a reputation in the industry for the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.  To receive the AIF designation, individuals must complete a training program, successfully pass a comprehensive and agree to abide by the AIF Code of Ethics. In order to maintain the AIF designation, the individual must annually renew their affirmation of the AIF Code of Ethics and complete six hours of continuing education credits. The certification is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 (fi360) company).  For additional information on the AIF^® please visit here.

8. Personal Financial Specialist (PFS)

The American Institute of CPAs (AICPA) established the PFS credential for CPAs who specialize in various areas of financial planning. In order to receive the credential, CPAs must pass the exam requirement that covers all of the planning process and professional responsibilities and disciplines that make up personal financial planning, including tax, estate, retirement, investments, and insurance planning as well as a few niche areas like employee benefits, education, and elder planning. CPAs who have passed the CFP or ChFC exams do not need to take the PFS exam and are deemed to have met the exam requirement.  For additional information on the PFS please visit here.

For additional information regarding the titles used by financial professionals please visit the Securities and Exchange Commission’s (SEC) Investor Bulletin on Making Sense of Financial Professional Titles here.

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E-Mail, Social Media, and other Electronic Communications

Apexium retains copies of electronic communications, including those executed via this website and the Firm’s social media accounts, and all such communications are subject to monitoring. Apexium makes no representation or warranty that electronic communications will be confidential. Electronic communications may be intercepted or accessed by unauthorized or unintended parties, may not arrive at the intended destination or may not arrive in the form transmitted. Apexium can make information available through secure electronic transmissions.  Please contact the sender if you wish to receive secure transmissions.

Electronic communications may be delayed, and information in electronic communications may not be up to date. Electronic communications cannot be guaranteed to be timely, secure or error free. Information provided speaks only as of the time it was sent.  We have not undertaken, and will not undertake, any duty to update the information or otherwise advise you of changes in our opinion or in the research or information we make available to you.

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Cookies

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Copyright / Trademark / License

All names, text, and graphic images contained in this website are subject to copyright and/or trademark protection. Apexium owns or is licensed to use the rights to all brand names, product names, trademarks and service marks except as otherwise noted. No information contained on this site may be reproduced, transmitted, displayed, distributed, published, or otherwise used for commercial purposes without the prior written consent of Apexium. You may, however, print or electronically store copies of the information for your own personal use or that of your clients.