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Robo Advisor™
Important Disclosures

*Last updated March 30, 2023.

WEBSITE OWNERSHIP

This website is owned and operated by Robo Advisor™, located at 255 Primera Blvd., Suite 160, Lake Mary, FL 32746-2168. Throughout these terms, we may refer to ourselves as "Robo Advisor," "we," "us," "Company," or "our".

For the purposes of these Disclosures, the term "The Company (Robo Advisor™) or the Site" refers to Robo Advisor™ and all entities related to it. This includes, but is not limited to, its parent company, branches, subsidiaries, and affiliates. Please note that Robo Advisor™ is the marketing name for entities like Robo Advisor Technologies™, Robo Advisor, Inc., and Sovereign Wealth Management Group, Inc., along with all of their respective domain properties.
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NOTE: PLEASE READ THESE DISCLOSURES CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS PRESENTED, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED HEREIN.

SITE CONTENTS

THE CONTENT OF THIS SITE IS FOR GENERAL EDUCATION PURPOSES ONLY. IT IS NOT INTENDED TO PROVIDE FIDUCIARY INVESTMENT ADVICE. IT SHOULD NOT BE CONSTRUED AS AN OFFER, SOLICITATION OF AN OFFER, OR ADVICE TO BUY OR SELL SECURITIES, OPEN AN INVESTMENT ADVISORY ACCOUNT, ANNUITY CONTRACT OR APPLY FOR AN INSURANCE POLICY IN ANY STATE AND/OR JURISDICTION WHERE ROBO ADVISOR™ AND/OR ITS REPRESENTATIVES (IE., INVESTMENT ADVISOR REPRESENTATIVES, INSURANCE AGENTS, ROBO ADVISOR NETWORK™ MEMBERS AND THEIR REPRESENTATIVES) ARE NOT LICENSED OR REGISTERED OR WHERE SUCH AN OFFER WOULD BE ILLEGAL. ALL INVESTMENTS INVOLVE RISK AND THE PAST PERFORMANCE OF A SECURITY OR FINANCIAL PRODUCT DOES NOT GUARANTEE FUTURE RESULTS OR RETURNS. THERE IS ALWAYS THE POTENTIAL OF LOSING MONEY WHEN YOU INVEST IN SECURITIES OR OTHER FINANCIAL PRODUCTS. INVESTORS SHOULD CONSIDER THEIR INVESTMENT OBJECTIVES AND TOLERANCE FOR RISK CAREFULLY BEFORE INVESTING.

INVESTMENT ADVISORY

Fee-Based Investment Advisory services are provided by Robo Advisor, Inc., a Registered Investment Advisor with the SEC. It's important to note that this registration does not imply a certain level of skill, training, or a specific level of oversight. For information about the registration status of Robo Advisor, Inc., please contact us or visit the Investment Advisor Public Disclosure website at adviserinfo.sec.gov. For further details, including fees and services, refer to our disclosure statement set forth in Form CRS and Form ADV Part 2. Please read the disclosure statement carefully before investing.

Our representatives are authorized to conduct business activities, such as selling securities, providing investment advice, and offering insurance and annuities, only within the states and/or jurisdictions where they are duly registered and/or licensed. To determine if a representative is permitted to conduct business in your state, please directly contact their local office.

FIDUCIARY DISCLOSURE

This material should not be interpreted as a recommendation or as fiduciary investment advice by Robo Advisor™ and/or its representatives (i.e., registered representatives, investment advisor representatives, insurance agents, and/or Robo Advisor Partner Network™ members and their representatives).

This material is not a recommendation to buy, sell, hold, or rollover any asset, adopt an investment strategy, retain a specific investment manager, or use a particular account type. It does not consider the specific investment objectives, tax, and financial condition, or needs of any specific person.

Investors should work with a financial professional to discuss their specific situation. In applying the information provided in this material, you should consider your other assets, income, and investments – such as the equity in your home, your social security benefits, other IRAs, savings accounts, and other plans that may provide retirement income, as those other assets may not be included in this discussion, model, or estimate.

In our fiduciary role, we are committed to ensuring that your investments best meet your long-term needs. While it's true that annuity companies compensate us, our fiduciary duty to act in your best interest is independent of these payments and is mandated by law.

ASSET ALLOCATION & DIVERSIFICATION

Please note that asset allocation and diversification strategies do not guarantee a profit or protect against loss in declining markets. All investments inherently involve risk, and the past performance of a security or financial product does not guarantee future results or returns. Consequently, there is always the potential for losing money when you invest in securities or other financial products. Therefore, investors should carefully consider their investment objectives and risk tolerance before investing.

INSURANCE & ANNUITIES

Fixed Insurance and Annuity products are distributed by Sovereign Wealth Management Group, Inc., a licensed insurance agency. For additional information on the distribution and licensing of these products, as well as detailed insights into insurance and annuity benefits, rates, riders, features, and further disclosures, please visit our 'Insurance & Annuity Disclosures' and 'Licensing' pages, which can be found in the Services section of our website. Please note, Annuity and Insurance guarantees are dependent on the claims-paying ability of the underlying insurer. Availability of products, rates, riders, and features may vary by state and are subject to change without notice.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

The statements contained within this website that are not historical facts are forward-looking statements as defined in the US Private Securities Litigation Reform Act of 1995. The following are words that identify such forward-looking statements: belief, estimate, target, intend, may expect, anticipate, predict, project, counting on, plan, continue, want, forecast, should, would, is confident, will, and similar expressions as they relate to our company. These statements are not guarantees of future performance and involve risks, uncertainties, and assumptions that are difficult to predict. We undertake no obligation to publicly update or revise any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which merely reflect company expectations at the time of writing. Actual results may differ materially from expectations conveyed in forward-looking statements due to changes caused by various risks and uncertainties. Such risks and uncertainties include but are not limited to the following:
Changes in general economic conditions, particularly in the United States, the United Kingdom, Asia, and emerging markets;
Changes in general economic conditions, particularly in the United States, the United Kingdom, Asia, and emerging markets; The frequency and severity of defaults by issuers in our fixed-income investment portfolios; and the effects of corporate bankruptcies and/or accounting restatements on the financial markets and the resulting decline in the value of equity and debt securities we may recommend;
The frequency and severity of insured loss events;
Changes affecting mortality, morbidity, and other factors that may impact the profitability of our issuers' insurance products;
Changes affecting currency exchange rates, in particular, the EUR/USD and EUR/GBP exchange rates;
Increasing levels of competition in the United States, the United Kingdom, Asia, and Emerging Markets;
Changes in laws and regulations, particularly those affecting operations, the products we sell, and the attractiveness of certain products to consumers;
Regulatory changes relating to the insurance industry in the jurisdictions in which we operate;
Acts of God, acts of terrorism, acts of war, and pandemics;
Changes in the policies of central banks and/or governments;
Litigation or regulatory action that could require the companies we recommend to pay significant damages or change the way they do business;
Customer responsiveness to both new products and distribution channels;
Competitive, legal, regulatory, or tax changes that affect the distribution cost of or demand for the products we recommend;
The failure of companies we recommend to achieve anticipated levels of earnings or operational efficiencies as well as other cost-saving initiatives; and
The impact of the adoption of the International Financial Reporting Standards by the companies we recommend and the impact it may have on their reported financial results and financial condition.

TAX OR LEGAL ADVICE

Robo Advisor™, its employees, and/or representatives may not provide tax or legal advice and the content of this site cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Tax law is subject to interpretation and legislative change. Any discussion of taxes is for general information purposes only and does not purport to be complete or cover every situation. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on their own set of facts and individual circumstances. Each taxpayer should seek independent advice from their own tax or legal professional.

This material was written to support the promotion or marketing of the products, services, and/or concepts addressed in this material. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely solely on their own independent advisors regarding their particular situations and the concepts presented herein. Discussions of the various planning strategies and issues are based on our understanding of the applicable federal income, gift, and estate tax laws in effect as of the date at the beginning of this notice. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept our interpretations.

Additionally, this material does not take into consideration the general tax and ERISA provisions applicable to qualified retirement plans or the applicable state laws of clients and prospects. Although care is taken in preparing this material and presenting it accurately, Robo Advisor™ disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.

HOW TO CONTACT US

For any questions, comments, or concerns about the statements above, you may reach out to us directly through one of the following methods.