This website and contents of FUTURE PLANNER provides information and resources that need thoughtful consideration and discretion before deciding upon any action.  Neither Michael Ratner nor FuturePlanner.org (WebGM of this website) is registered as an investment adviser nor a broker/dealer with either the U. S. Securities & Exchange Commission or any state securities regulatory authority.  Future Planners associated with this website are certified or approved to represent the concepts presented but do not engage in the sales or marketing of individual stocks, bonds or mutual funds - ever.

 

While licensed to sell Life and Health Insurance products and Annuities, we are not lawyers, CPAs or therapists and do not offer such services as giving legal advice or doing your taxes.  Please seek the proper professional for this guidance. 

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Users of this website are advised that all information presented on this website is solely for informational purposes, is not intended to be used as a personalized investment recommendation, and is not attuned to any specific portfolio or to any user's particular investment needs or objectives.  

 

Past performance is NOT indicative of future results. Furthermore, such information is not to be construed as an offer to sell or the solicitation of an offer to buy, nor is it to be construed as a recommendation to buy, hold or sell (short or otherwise) any security.

 

All users of this website must determine for themselves what specific investments to make or not make and are urged to consult with their own independent financial advisers with respect to any investment decision. The reader bears complete responsibility for his/her own investment research and decisions, therefore you should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing.

 

All opinions, analyses and information included on this website are based on sources believed to be reliable and written in good faith, but should be independently verified, and no representation or warranty of any kind, express or implied, is made including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. In addition, we undertake no responsibility to notify such opinions, analyses or information or to keep such opinions, analyses or information current.

 

Also be aware that experts and people we reference or interview including partners, owners, employees and writers of content for this website or podcast may have long or short positions in securities that may be discussed on this website, blog, podcast, video, stage show or newsletter. Past results are not indicative of future profits. We make every effort to disclose sources and reference information that we can only hope is accurate.  Keep in mind, where examples or stories of loss or gains are portrayed by comment or lesson not every trade or possible maneuver can be represented. 

 

While we make every effort to verify sources and data no guarantee of return of any kind, express or implied, is made particularly in regards to the future where predictions or trends can only be surmised and do not yet exist in reality.