Website Ownership and Operation

Confessions of a Wealth Manager ("Website") is owned and operated by CWM Publishing LLC ("CWM"), a separate and independent entity. The Website provides educational content and general information about financial topics and wealth management strategies.

Entity Separation and Disclosure

It is important to understand that CWM Publishing LLC is entirely separate from and independent of:
- Whalen Financial, a Registered Investment Advisor ("RIA")
- Whalen Associates, an independent insurance agency

Not Financial Advice

The content provided on this Website, including but not limited to articles, books, videos, and other materials, is for informational and educational purposes only. Nothing contained on this Website should be construed as financial advice, investment recommendations, or insurance product solicitation.

Business Relationships

While content on this Website may reference or discuss services provided by Whalen Financial (RIA services) or Whalen Associates (insurance products), these are separate business entities with distinct ownership, management, and regulatory obligations:

1. Whalen Financial:

- Is an independent Registered Investment Advisor
- Operates under separate ownership and management
- Is regulated by applicable securities laws and regulations
- Provides investment advisory services under its own agreements and disclosures

2. Whalen Associates:

• Is an independent insurance agency
• Operates under separate ownership and management
• Is regulated by applicable insurance laws and regulations
• Offers insurance products through licensed agents

Professional Credentials and Licensing

Verification of Credentials

• Any professional credentials, licenses, or registrations mentioned on this Website can be independently verified through appropriate regulatory bodies
• Investment advisor credentials can be verified through the SEC's Investment Adviser Public Disclosure website
• Insurance licenses can be verified through the Nevada Division of Insurance
• Readers are encouraged to perform their own due diligence regarding any professional credentials
  

State Registrations and Limitations

• Whalen Financial maintains registrations in specific states where it conducts business
• Insurance products are only offered in states where proper licensing is maintained
• Not all services or products discussed may be available in all states
• Specific state regulations may limit or modify the availability of certain services

Financial Planning and Advisory Services

Scope of Services

• Financial planning services mentioned on the Website may not be comprehensive
• Not all planning strategies are appropriate for all individuals
• Implementation of any strategies discussed requires separate agreements
• Additional fees and costs may apply to any services engaged

Third-Party Services and Referrals

• References to third-party services or professionals are for informational purposes only
• Neither CWM Publishing LLC nor its affiliated entities guarantee the quality or appropriateness of third-party services
• Compensation may be received for referrals as permitted by law
• All referral relationships are disclosed as required by applicable regulations

Investment and Insurance Considerations

Investment Products

• Investment products mentioned may not be suitable for all investors
• Some investments may have limited liquidity or availability
• Minimum investment amounts may apply
• Transaction costs and fees may impact overall returns

Insurance Products

• Insurance products mentioned may have specific eligibility requirements
• Premiums and benefits can vary by state, age, and health status
• Guarantees are subject to the claims-paying ability of the issuing insurance company
• Not all insurance products are available in all states

Important Notices

Investment Services

Any investment advisory services discussed or referenced on this Website are provided exclusively through Whalen Financial. To receive investment advice or services, you must:

• Enter into a separate written agreement with Whalen Financial
• Receive and review Whalen Financial's Form ADV and disclosure documents
• Make independent decisions about any investment advisory relationship
  

Insurance Products

Any insurance products discussed or referenced on this Website are offered exclusively through Whalen Associates. To purchase insurance products, you must:

• Work directly with licensed insurance agents at Whalen Associates
• Receive and review all required insurance disclosures
• Make independent decisions about any insurance purchases

Digital Content and Communications

Website Accessibility

• Reasonable efforts are made to maintain Website accessibility
• Technical issues may temporarily impact access
• Alternative formats of materials available upon request
• Website may not be optimized for all devices or browsers
  

Electronic Communications

• Email and electronic communications are not secure
• Confidential information should not be sent via email
• Response times to electronic communications are not guaranteed
• Emergency contact protocols are maintained separately by each entity

Data Collection and Usage

Website Analytics

• Usage data is collected through various tracking technologies
• Third-party service providers may have access to non-personal data
• Cookie policies and preferences can be managed by users
• Aggregated data may be used for marketing purposes

Information Security

• Each entity maintains separate cybersecurity protocols
• Security measures are regularly reviewed and updated
• Breach notification procedures follow applicable regulations
• Client data is segregated by entity as required by law

CWM Publishing LLC, Whalen Financial, and Whalen Associates:

• Do not share ownership
• Maintain separate operations, records, and regulatory obligations

Content Licensing and Intellectual Property Rights

Content Ownership

• All Website content is protected by copyright and other intellectual property laws
• Trademarks and service marks belong to their respective owners
• Limited license granted for personal, non-commercial use
• Unauthorized use may result in legal action

Media Usage

• Images and media may be subject to third-party licenses
• Permission required for any commercial use of content
• Attribution requirements must be followed where applicable
• Fair use guidelines apply to educational purposes

Regulatory Compliance

• Whalen Financial maintains its own regulatory compliance as an RIA
• Whalen Associates maintains its own regulatory compliance as an insurance agency
• CWM Publishing LLC does not provide regulated financial services

Dispute Resolution

Arbitration Agreement

• Disputes related to Website content fall under CWM Publishing LLC jurisdiction
• Investment-related disputes follow Whalen Financial's client agreements
• Insurance-related disputes follow applicable state regulations
• Mandatory arbitration may apply as specified in separate service agreements

Jurisdiction and Venue

• Legal proceedings must be brought in Nevada courts
• Federal laws apply where applicable
• Choice of law provisions in service agreements take precedence
• International users subject to U.S. jurisdiction

Contact Information

All entities referenced in this disclosure operate from the same physical location:

Office Location:

7160 Rafael Rivera Way Suite 220
Las Vegas, NV 89113

Contact Details:

Toll Free: (866) 600-3030
Local: (702) 878-3900
Email: info@whalenfinancial.com
Website: www.WhalenFinancial.com

While these entities share a physical location and contact information, they remain legally separate and independent operations:

• CWM Publishing LLC Website content and educational materials
• Whalen Financial
• Investment advisory services
• Whalen Associates Insurance products and services
  
  Please specify which entity you are attempting to reach when making contact to ensure your inquiry is directed appropriately.

Additional Risk Disclosures

Market Risk

Past performance is not indicative of future results. The value of investments can go down as well as up, and investors may get back less than they invested.

Tax Considerations

Any discussion of taxes in the Website content is for general informational purposes only. Readers should consult with qualified tax professionals regarding their specific situations.

Educational Content

Examples, case studies, and educational scenarios presented on the Website are for illustrative purposes only and may not reflect real-world outcomes.

Privacy Policy

Each entity maintains its own separate privacy policy and data protection protocols. Please refer to the specific privacy policy of the entity with which you are doing business.

Updates to This Disclosure

This disclosure may be updated from time to time. Please review it periodically. Continued use of this Website constitutes acceptance of any changes.

Governing Law

This disclosure and all matters relating to the Website are governed by applicable state and federal laws of the United States and the State of Nevada.

Questions or Concerns

If you have any questions about this disclosure or the separation of entities described herein, please contact us using the information provided above, and specify which entity your inquiry concerns.

Last Updated: October 25, 2024

© 2024 CWM Publishing LLC. All Rights Reserved.