Our personal disclaimer (with handy regular-guy wording)
Use of this site requires that you read our personal disclaimer as well as the official disclaimer below. This personal disclaimer does not in any way limit the more detailed official disclaimer below.
This site represents what Robert Smith Financial thinks is important. These independent views and opinions expressed are those of Robert Smith Financial and are not necessarily the opinions of Raymond James.
Advice is only provided during one-on-one conversations between us and clients. What makes sense for one client may not make sense for another client. As such, advice can’t possibly be provided on this website so please do not consider anything you read or see on this site as advice.
For greater clarity, do not buy or sell any security or make any financial decisions based on what you read on this site. If you do, you could easily suffer financially.
Nothing on this site is a solicitation or recommendation to do anything! This includes investment advice, legal advice, tax/accounting advice.
Talk to us in person, get second opinions from other licensed and qualified advisors, do your own research, and ask LOTS of questions before making any financial decisions.
The purpose of this site is simply to better share with our clients what we are reading, thinking, and doing to more effectively manage and enhance your life savings.
At most, this site should be entertaining, informative, and generate questions and discussions. That is it. Anything beyond these simple goals is not intended, expressly denied, and should not be construed as such.
The official disclaimer (with lawyer-type wording)
Use of this Website
This website is a subdomain and its content has been provided solely by the advisor(s). It expresses the opinions of the advisor(s), and not necessarily those of Raymond James. This website is intended for viewing only in those jurisdictions where the advisor(s) are registered with the provincial/territorial securities commission and may be accessed and used only by persons in the following provinces and territories of Canada: AB, BC, NL, ON, SK. The services of this Advisor are available to residents of those provinces/territories only and are not intended for or available to persons who reside or are located outside of those provinces/territories. If you live outside those jurisdictions and wish to speak to a Raymond James Advisor, please contact the Raymond James office nearest you or call 1-877-251-5500 (Canada only). Persons who access the website must inform themselves about and observe the laws that apply in the jurisdictions where they are accessing and using the Website.
Use of this website is governed by the Raymond James Web Use Agreement, which may be found here. By using the website, you acknowledge and signify that you have read, understood, and agree to be bound by the Web Use Agreement.
The website is provided for information purposes only and is not to be construed as an offer or solicitation for the sale or purchase of securities by Raymond James or its employees, agents or affiliates. It is not intended for, and should not be relied upon for, any trading, business, financial, legal, accounting or tax advice or any other purposes. It is not intended to be a comprehensive or detailed statement concerning the matters addressed. Users of this website are advised to seek professional advice before acting on any information contained in this Website.
The content for this website is provided by the advisor(s). Raymond James and its employees and agents expressly disclaim any liability for losses or damages, whether direct or indirect, special or consequential, incurred by any user of this website. Statistics and factual data and other information in this website are from sources Raymond James believes to be reliable but errors may occur and information may become out of date. Raymond James does not guarantee the accuracy, completeness, quality or timeliness of the information available on or through the Website. The website is provided on an "as is" and "as available" basis, without any representations, warranties or conditions of any kind, whether express or implied. This website is provided on the basis and understanding that Raymond James is to be under no liability whatsoever in respect thereof. Under no circumstances will Raymond James ever be liable to you or any other person for any indirect, incidental, consequential, special, punitive or exemplary loss or damage arising from, connected with, or relating to the website. By accessing this website, each user releases Raymond James, its directors, officers, employees, agents and all related companies and their respective directors, officers, employees and agents from all claims and proceedings for all such losses, damages or consequences. Changes may be made at any time to the services provided by the advisor(s) and the information contained on this site without prior notice being given.
Links or External References
Links to other websites or references to products, services or publications other than those of Raymond James are for convenience only and do not imply the endorsement or approval of such websites, products, publications or services by Raymond James or its subsidiaries or affiliates. Any recommendation or link to a website outside of Raymond James is based on the opinion of the advisor(s). That opinion may differ from the opinions of Raymond James and should not be considered representative of the beliefs, opinions or recommendations of Raymond James. All links are for information purposes only and Raymond James is not responsible for, nor does it endorse, third-party websites, materials or professionals.
This Website is not a secure medium for communication. Instructions must NOT be provided by email as they may not be acted upon or may not be acted upon in a timely manner. Any confidential, proprietary or sensitive information transmitted by a user by means of this website might be read and copied by unauthorized persons. Neither the advisor(s) nor Raymond James can ensure the privacy, accuracy or authenticity of any information or instructions sent over the Internet.
Raymond James is a member of the Canadian Investor Protection Fund. Any information from this website regarding products and services of Raymond James is intended for use only in jurisdictions where such services or products may be lawfully offered for use or sale, and neither use nor sale is intended where prohibited by law. Without limiting the generality of the foregoing, the services of Raymond James are not offered to residents of the U.S. or the U.K. Only Canadian laws apply to this website and to the use of this website by any user, notwithstanding the domicile, residence or physical location of the user.
The advisor(s) is registered in Canada with IIROC through Raymond James Ltd., and is registered in the United States with FINRA through Raymond James Financial Services Inc. The services of the advisor(s) are only available to residents of those provinces/ territories/ states in which he/she/they is/are currently registered, and are not intended for or available to persons who reside or are located outside of those provinces/ territories or states.