Pursuant to the information provided, it is hereby acknowledged that Savevest, LLC (“Savevest,” “we,” “us,” or “our”) is a Registered Investment Advisor that is registered in the state of Arizona and such other states where required by law. Advisor only conducts business in states where registered or exempt from registration. Such registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability. Furthermore, the Company provides an educational blog, videos, and personal finance tools, all of which are intended for informational purposes only and may not be used for specific client conditions.
It is acknowledged that all data presented in the videos, written material (including client IPS), brochures, and other forms of communication from the Company may contain hypothetical or back-tested data. This is for INFORMATIONAL PURPOSES ONLY and may not be used for specific client conditions. Please see a financial advisor, tax consultant, or lawyer for specific recommendations.
It is also acknowledged that back-tested results and other information have their limitations. Some include: 1. Results do not represent actual trading using clients’ assets but were achieved through the retroactive application of a model that was designed with the benefit of hindsight; 2. These results should not be viewed as indicative of the adviser’s skill; 3. The results may not reflect the impact that any material market or economic factors might have had on the adviser’s use of the back-tested model if it was actually used to manage the client’s assets; 4. The advisor may use some or all of the strategies discussed on the website when managing a client’s account. 5. Past performance is no guarantee of future performance or success, and actual client performance could be lower or higher based on funds invested in, client characteristics, economic and market conditions, etc., and there are no assurances that a specific strategy will match or outperform any particular benchmark. 6. As with any investment strategy, there is a potential for profit as well as a potential for loss. The Company does not guarantee any minimum investment performance or the success of any suggested portfolio or investment strategy. All investments are inherently risky, and investment recommendations will not always be profitable. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s investment portfolio. 7. It is also acknowledged that the Company may talk about various indices on the website and that indices are not available for direct investment and other companies may try and mimic the performance of these indices. The Company does not manage any index funds and does not guarantee a certain level of performance. All information is for informational purposes only and should not be used to invest in a fund based on information on this website, and it is advised to review the prospectus of the funds you choose to invest in and talk to your investment advisor or tax professional, or lawyer. 8. It is also acknowledged that mutual fund investment values will fluctuate, and shares, when redeemed, may be worth more or less than the original cost. Diversification neither assures a profit nor guarantees against a loss in a declining market. 9. It is also acknowledged that the data/holdings discussed on the website may or may not be the funds the Company owns or the funds the Company recommends to its clients. 10. The information provided reflects the authors’ opinions at the time of publication and is subject to change or may become materially inaccurate over time. The Company’s opinions may, at times, be purely speculative as they may be based on unknown risks and uncertainties. 11. Monte Carlo simulations produce ranges of outcomes based on the probability of their occurrence. Monte Carlo analyses are built upon assumptions that may not come to pass. Monte Carlo simulations have material limitations. Market movements may cause the model’s underlying assumptions to be invalid. Market movements may be more extreme and more frequent than those that occur in the model. Certain asset classes have shorter histories than others and may not be as reliable. The Company does not guarantee the accuracy of the results and does not accept any liability for any errors. 12. Long-term expected returns for asset classes are estimates and may include anticipated reinvested dividends and capital gains. These anticipated returns may not reflect the impact of investment advisory fees. Your returns would be decreased by the underlying fund expenses, transaction costs, tax liabilities, fee paid to Savevest™, etc., Timing of reinvesting cash flows, new contributions/ withdrawals, etc., also affect your returns. They do not represent the returns achieved by Savevest, LLC, or any of its advisory clients. 13. Several lines of thought exist, and the data presents the author’s viewpoint. The author does not imply that other viewpoints are inherently wrong. Savevest seeks to pursue investment in different “factors”. As a general rule, these factors must be a. Sensible b. Persistent across time periods c. Pervasive across markets d. Robust to alternate specifications e. Cost-effective to capture in well-diversified portfolios. An example would be investing more money in smaller companies or buying bonds with different terms and credit ratings. We also seek to diversify globally. This could mean that your returns would be significantly different compared to a broad market index such as an S & P 500 index. In general, the more the tilt, the more likely your portfolio could behave differently from the total market, including going through periods of prolonged underperformance. Asset allocation and rebalancing do not guarantee investment success. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. Past performance is no assurance of future success. There are no assurances that a portfolio will match or outperform any particular benchmark. Target asset allocations may differ from illustrations due to market conditions and investment decisions. There can be no guarantee that target allocations will be achieved. Charts do not represent the performance of Savevest, LLC or any of its advisory clients. Clients should notify the firm immediately if their financial circumstances, risk tolerance, or investment objectives change. 14. Asset allocation and rebalancing do not guarantee investment success. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. Past performance is no assurance of future success. There are no assurances that a portfolio will match or outperform any particular benchmark. 15. Target asset allocations may differ from illustrations due to market conditions and investment decisions. There can be no guarantee that target allocations will be achieved. Charts do not represent the performance of Savevest,LLC or any of its advisory clients. Clients should notify the firm immediately if their financial circumstances, risk tolerance, or investment objectives change.16. Performance results may be calculated without a deduction of advisor fees; Advisory fees and other expenses will reduce a client’s return; If you want to review our advisory fee, please review your contract/ refer to our annual filings. 17. Some of the data provided on the website was provided by Dimensional Fund Advisors or generated using their Returns software.
- The simple truth is no one can predict what the market does 100% of the time! At Savevest™, we do not know what the single best-performing advice would be going forward. You will not hold us accountable for the accuracy of any predictions on this website or other websites we may refer to. We do not have a crystal ball and cannot foresee the future! All investments are subject to risk, including the risk of losing all your capital, including the principal. Some examples of risk include foreign currency exchange rates, political risks, market risk, different methods of accounting and financial reporting, and foreign taxes.
- The Website contains links to other sites and resources provided by third parties for your convenience. Savevest, LLC does not endorse or control such entities and does not guarantee or assume responsibility for the timeliness, accuracy, or completeness of such information. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. Should you choose to access any third-party websites, you do so at your risk, and you would be subject to the terms and conditions of use for such third-party websites. Any statements regarding the market or financial information provided on the website were obtained from sources that we or our suppliers believe to be reliable, but we do not warrant or guarantee this information. We are not to be held liable for any errors or inaccuracies. You are responsible for ensuring you have the appropriate services and equipment to access the website. We may make any changes to the website without informing you. You may not hold us liable if the website or a part of the website is unavailable at any time, for any period. Savevest, LLC reserves all rights that are not expressly granted in writing. You will refrain from taking any action that infringes on any Intellectual property right of Savevest, LLC, or any third party. You must not do anything that could harm the website or interfere with any person’s ability to use the website or use the website in any way that violates any applicable law or regulation. You will not impersonate/ attempt to impersonate any person or entity or give us any information that is potentially deceitful or not true. You will ensure that all information you provide us is both legal and accurate. Any information or contribution you provide will be considered non-confidential and non-proprietary to the extent permissible by law. Savevest, LLC can take appropriate legal action, including referral to law enforcement for illegal or unauthorized use of the website, and terminate or suspend your access to all or part of the website. You acknowledge and accept that the Website will not be available on a continual twenty-four-hour basis due to reasons including but not limited to delays caused by Savevest’s upgrading, modification, or standard maintenance of the Website. Your use of the website and its contents is at your risk. The website is provided on an “as available” and “as is” basis, without any promises of any kind. Neither Savevest, LLC nor any person associated with Savevest, LLC makes any promise, warranty, or representation with respect to the completeness, security, accuracy, timeliness, quality, or availability of the website. You agree that we reserve the right, in our sole discretion, to change the terms of this Policy at any time. Any changes are effective immediately upon posting to the Website. Continued use of the Website constitutes your agreement to all such terms and conditions.
- Furthermore, it is acknowledged that Dr. Anil Potharaju, a physician, provides financial services through the Company and that his duties as a physician do not create a conflict of interest. It is also acknowledged that neither the University of Arizona, Banner Health, nor any facilities affiliated with Dr. Potharaju endorse or own any of the financial advisory or financial educational activities of Dr. Potharaju or the Company and are not to be held responsible for any losses incurred as a result thereof.
- It is acknowledged that individuals may be granted a limited, non-exclusive, revocable, non-transferable, and non-sublicensable right to access the videos provided by the Company. By granting access, the Company does not obligate itself to maintain the website or to maintain it in its current form. The Company may change the website as needed without permission from the individual and the individual may not hold the Company liable for any changes to the website. The content is for personal use only. The Company does not assume responsibility for delays that are ordinary in the course of internet use. The individual is responsible for having the necessary services and equipment to view the videos. Service is also interrupted during maintenance. Individuals accessing the videos agree to maintain the confidentiality of the Company’s Confidential Information.
- The Company reserves the right to deny an individual access to the website or portions of the website if, in the Company’s sole discretion, an Authorized End User has failed to abide by these Terms of Service or appears likely to do so. It is acknowledged that the Company, at its sole discretion may, but has no obligation to, monitor the Services or any portion thereof. This monitoring may be done to oversee compliance with these Terms of Service.
- Savevest, LLC reserves the right to deny an individual access to the website or portions of the website if, in the Company’s sole discretion, an Authorized End User has failed to abide by these Terms of Service or appears likely to do so. The subscriber accepts that Savevest, LLC, at its sole discretion may, but has no obligation to, monitor the Services or any portion thereof. This monitoring may be done to oversee compliance with these Terms of Service.
- It is acknowledged that the individual’s use of the services is at his/her own risk. The services are provided on an “as is” and “as available” basis, without any statements or warranties of any kind, either express or implied. Neither the Company nor any person associated with the Company makes any statement, warranty, or representation with respect to the completeness, security, reliability, quality, accuracy, timeliness, appropriateness, or availability of the services. The services provided may not meet the individual’s needs or expectations. The Company hereby disclaims all warranties of any kind, whether express or implied, statutory or otherwise. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
- No verbal or written representations, information, or advice given by the Company, or its authorized representative shall create a warranty or in any way increase the scope of this warranty. If any provision of this Policy is held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of this Policy will remain in full force and effect. If the Company fails to insist upon strict performance of the individual’s obligations under any of these terms and conditions, or if the Company does not exercise any of the rights to which it is entitled under this Policy, this will not constitute a waiver of such rights or remedies and will not relieve the individual from compliance with such obligations. No waiver by the Company of any default will constitute a waiver of any subsequent default, and no waiver by the Company of any of these terms and conditions will be effective unless it is expressly stated to be a waiver and waiver is provided to the individual in writing.
All clients and potential clients have access upon request to a copy of Form ADV Parts 2A & 2B that outlines important information about Savevest, LLC, business methods, fees, and all other pertinent business information.
Privacy Policy Notice
- Savevest, LLC has adopted this privacy policy with the recognition that protecting the privacy and security of the personal information we obtain about our customers is an important responsibility. We also know that you expect us to service you accurately and efficiently. To do so, we must collect and maintain certain personal information about you. We want you to know what information we collect and how we use and safeguard that information.
- When you use any of the services (such as client financial tools) we provide, we may gain access to your personal information.
- Information We Collect: We collect certain nonpublic information about you (“Customer Information”). The essential purpose for collecting Customer Information is to allow us to provide advisory services to you. Customer Information we collect may include:
- Information that you provide on applications or other forms. This Customer Information may include personal and household information such as income, spending habits, investment objectives, financial goals, statements of account, and other records concerning your financial condition and assets, together with information concerning employee benefits and retirement plan interests, wills, trusts, mortgages, and tax returns.
- Identifying information such as your name, age, address, social security number, etc.
- Information about your transactions with us, or others (e.g., broker/dealers, clearing firms, or other chosen investment sponsors).
- Information we receive from consumer reporting agencies (e.g., credit bureaus) and other materials we may use to provide an appropriate recommendation or to fill a service request.
- Information that helps you access parts of our website and that facilitates billing and payment.
- Security of Your Information: We restrict access to your nonpublic personal information to those employees who need to know that information to service your account. We maintain physical, electronic, and procedural safeguards that comply with applicable federal or state standards to protect your nonpublic personal information.
- Information We Disclose: We do not disclose the nonpublic personal information we collect about our customers to anyone except (i) in furtherance of our business relationship with them and then only to those persons necessary to effect the transactions and provide the services that they authorize (such as broker-dealers, custodians, independent managers, etc.); (ii) to persons assessing our compliance with industry standards (e.g., professional licensing authorities, etc.); (iii) our attorneys, accountants, and auditors; or (iv) as otherwise provided by law.
- We are permitted by law to disclose nonpublic personal information about you to governmental agencies and other third parties in certain circumstances (such as third parties that perform administrative or marketing services on our behalf or for joint marketing programs). These third parties are prohibited to use or share the information for any other purpose. If you decide at some point to either terminate our services or become an inactive customer, we will continue to adhere to our privacy policy, which may be amended from time to time.
- Former Clients: If you decide to close your account(s) or become an inactive customer, we will adhere to our privacy policies, which may be amended from time to time.
- Changes to Our Privacy Policy: Except as required or permitted by law, we do not share confidential information about you with non-affiliated third parties. In the unlikely event that there were to be a change in this fundamental policy that would permit or require additional disclosures of your confidential information, we will provide written notice to you, and you will be given an opportunity to direct us as to whether such disclosure is acceptable.
- Questions: If you have questions about this privacy notice or have a question about the privacy of your customer information, please contact us.
This site is for customers or potential customers of Savevest, LLC only and may NOT be used by anyone else. All the information contained here is for personal use/ viewing purposes only. It is not personalized investment advice and may or may not be valid in your specific case. This document does not constitute a complete description of the services we offer. We do not make any statements regarding the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your risk. Reproducing or using the content from Savevest,LLC either in part or in full or editing any content is strictly prohibited and may subject you to prosecution.
Use of Cookies
Savevest, LLC uses cookies and similar technologies on this website to enhance your browsing experience, analyze site traffic, and improve our services.
Types of Cookies We Use
- Essential cookies – Required for the site to function (e.g., security, login, navigation).
- Analytics cookies – Help us understand how visitors use the site so we can improve performance.
- Preference cookies – Store your settings and choices for a more personalized experience.
- Marketing cookies – May be used to deliver relevant content or measure the effectiveness of our communications.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Your Choices
By continuing to use this site, you consent to our use of cookies as described in this notice. You may disable or manage cookies at any time through your browser settings. Please note that certain features of the website may not function properly without essential cookies.
Conclusion:
In conclusion, it is acknowledged that the individual has read, understands, and agrees to abide by all the terms outlined in this document. If the individual disagrees with any of the terms, they are advised to stop using the website. Use of these materials, including materials from the website, or any material owned by Savevest, LLC is your acknowledgment that you have fully read and understood the full disclaimer as stated above.
The Website is operated by Savevest, LLC. Please contact us with any concerns.