We file an updated version of this document with the SEC each year. It describes our services, fees, and all practices which relate to our role as your fiduciary. The SEC requires that it be written in “plain English” so it is easily understandable by the average investor.
Investment Advisory Agreement
This is our agreement that we sign with our clients who wish to have us manage their IRAs and other types of investment accounts.
This notice outlines how we use your personal information. Don't worry, other than to conduct our business, we don't.
Longhouse Wealth Management (LHWM) is a registered investment adviser. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.
Event content and speakers are subject to change without notice.
Space is limited, and all events are offered on a space-available basis.
LHWM reserves the right to cancel any event, for any reason.
In the event of such cancellation, LHWM has no responsibility for non-refundable or other costs incurred by registrants in anticipation of any event. Registrants must be 18 years of age or older.
Written or verbal notice of cancellation by registrant should be received by LHWM at least 72 hours prior to the start of the seminar, class or event.
Events are provided for information purposes only.
Although LHWM has used reasonable efforts to assure accuracy, no representation is made that the contents are free from error or suitable for use for any particular purpose.
Event content is general in nature and not guaranteed or warranted to provide solutions to any specific situation.
LHWM assumes no responsibility for use of, or reliance on, this information by any party and specifically advises such parties to discuss any decisions or actions related hereto with their own advisors and experts.
LHWM is not responsible for the views, interpretations or recommendations made in any event, which reflect the positions of the presenters.
LHWM does not endorse any particular product, manufacturer or service discussed, and does not represent that any goods or services are fit for any purpose or use.
Use of Recordings and Images of Events
These seminars may be recorded through audio/video and/or photographed.
The resulting audios/videos/photographs may be distributed for future use by LHWM, in its sole discretion, and they may include use by third parties.
By registering for seminars, classes and events you acknowledge reading this disclaimer and agree that you have been fully informed of your consent to recording of your voice, name and image, waiver of liability and release to allow use of your voice, name and image, without compensation, before entering the event.
Should you not agree to the above, you must remain in the location designated as outside of the area where there might be such recording of your voice, name or image, and not allow your voice to be recorded.
An investment cannot be made directly into an index.
Standard & Poor's is a corporation that rates stocks and corporate and municipal bonds according to risk profiles. The S&P 500 is an index of 500 major, large‐cap U.S. corporations. You cannot invest directly in an index.
Dow Jones Industrial Average is unmanaged and measures broad market performance. It is not possible to invest directly in an index.
A market‐value weighted index of all common stocks listed on FINRAAQ. The index is used mainly to track technology stocks, and thus it is not a good indicator of the market as a whole. The FINRAAQ is market value‐weighted, so it takes into account the total market capitalization of the companies it tracks and not just their share prices. It is not possible to invest directly in an index.
Lehman Brothers Aggregate Bond Index
Lehman Brothers Aggregate Bond Index is an index comprised of approximately 6,000 publicly traded bonds including U.S. Government, mortgage‐backed, corporate and Yankee bonds with an average maturity of approximately 10 years. The index is weighted by the market value of the bonds included in the index. This index represents asset types, which are subject to risk, including loss of principal. It is not possible to invest directly in an index.
Russell 1000® Growth Index
The Russell 1000®Growth Index is an unmanaged market capitalization‐weighted index of those stocks of the 1,000 largest U.S. domiciled companies that exhibit growth‐oriented characteristics.
Russell 2000® Index
The Russell 2000® Index is an unmanaged market capitalization‐weighted index measuring the performance of the smallest 2,000 companies in the Russell 3000® Index.
Russell MidCap Index
The Russell MidCap Index is an unmanaged index that measures the performance of the 800 smallest companies in the Russell 1000® Index, which represent approximately 26% of the total market capitalization of the Russell 1000® Index.
MSCI EAFE Index
The MSCI EAFE Index is an unmanaged market capitalization‐weighted index of equity securities of companies domiciled in various countries. The Index is designed to represent the performance of developed stock markets outside the United States and Canada and excludes certain market segments unavailable to U.S. based investors.
Lehman Brother Intermediate Government/Credit Bond Index
The Lehman Brothers Intermediate Government/Credit Bond Index (LBIGC) is composed of bonds that are investment grade or higher with maturities between one and 9.99 years. Total return comprises price appreciation/depreciation and income as a percentage of the original investment.
Russell 1000®Value Index
The Russell 1000®Value Index is an unmanaged market capitalization‐weighted index of those stocks of the 1,000 largest U.S. domiciled companies that exhibit value‐oriented characteristics.
Russell 3000®Value Index
The Russell 3000®Value Index is an unmanaged market capitalization‐weighted index of those stocks of the 3,000 largest U.S. domiciled companies that exhibit value‐oriented characteristics.
Russell Midcap Growth Index
The Russell Midcap Growth Index measures the performance of the mid‐cap growth segment of the U.S. equity universe. It includes those Russell Midcap Index companies with higher price-to-book ratios and higher forecasted growth values.
Russell Midcap Value Index
The Russell Midcap Value Index measures the performance of the mid‐cap value segment of the U.S. equity universe. It includes those Russell Midcap Index companies with lower price‐to‐book ratios and lower forecasted growth values.
Russell 2000®Value Index
The Russell 2000 Value Index measures the performance of small‐cap value segment of the U.S. equity universe. It includes those Russell 2000 companies with lower price‐to‐book ratios and lower forecasted growth values.
Russell 2000® Growth Index
The Russell 2000 Growth Index measures the performance of the small‐cap growth segment of the U.S. equity universe. It includes those Russell 2000 companies with higher price‐to‐value ratios and higher forecasted growth values.
Lehman Brothers Municipal Bond Index
Lehman Brothers Municipal Bond Index includes investment‐grade, tax‐exempt, and fixed‐rate bonds with long‐term maturities (greater than two years) selected from issues larger than $50 million.
Lehman 1‐3 Year Government/Credit Index
The Lehman 1‐3 Year Government/Credit Index is an unmanaged index consisting of all US government agency and Treasury securities, as well as all investment grade corporate debt securities with maturities of one to three years.
Lehman Brothers 3‐Year Municipal Bond Index
The Lehman Brothers 3‐Year Municipal Bond Index is the 3‐year component of the Lehman Brothers Municipal Bond index, which is an unmanaged index composed of long‐term tax-exempt bonds with a minimum credit rating of Baa.
Morgan Stanley Capital International World Index
The Morgan Stanley Capital International World Index is composed of companies representative of the market structure of 22 developed market countries in North America, Europe, and the Asia/Pacific Region. The index is calculated without dividends, with net or with gross dividends reinvested, in both US dollars and local currencies.
Merrill Lynch All U.S. Convertibles Index
The Merrill Lynch All U.S. Convertibles Index (VXAO) is comprised of approximately 500 issues of convertible bonds and preferred stock of all qualities.
NAREIT Equity Index
The NAREIT Equity Index is an unmanaged index of publicly traded U.S., tax‐qualified REITs that have 75% or more of their gross invested book assets invested in the equity ownership of real estate.