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Legal Disclaimer

Terms and conditions of use

This website is owned and operated by Physician Wealth Solutions Inc. (“Physician Wealth Solutions”, "PWS," “we”, “us”, or “our”). By using www.physicianwealthsolutions.com or www.financialplannerfordoctors.com (the “Site”) and the information and services available through this Site, you agree to follow and be bound by these conditions of use. Physician Wealth Solutions reserves the right to modify these conditions at any time, and any such modification will be effective immediately upon posting the modification. If you do not agree to these conditions, do not use this Site.

Regulatory Disclosure

Physician Wealth Solutions Inc. (“PWS”) is a registered investment adviser with the U.S Securities and Exchange Commission. Physician Wealth Solutions and its representatives are in compliance with the current registration requirements imposed upon registered investment advisers by those states in which Physician Wealth Solutions maintains clients. Physician Wealth Solutions may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. This website is published in the United States for residents of the United States. PWS is not soliciting business in international jurisdictions where it is not registered.

For information pertaining to the registration status of Physician Wealth Solutions, please contact the United States Securities and Exchange Commission on their website at www.adviserinfo.sec.gov or state securities law administrators for those states in which Physician Wealth Solutions is registered. A copy of Physician Wealth Solutions current written disclosure statement discussing Physician Wealth Solutions business operations, services, and fees is available from Physician Wealth Solutions upon written request.

Site for Information Only

Physician Wealth Solutions website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of Physician Wealth Solutions website on the Internet should not be construed by any consumer and/or prospective client as Physician Wealth Solutions solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

You should not construe any such information or other content available through this Site as investment, insurance, legal or tax advice. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific legal or tax situation. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Physician Wealth Solutions or its third party content providers liable for any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of this Site, from your violation of these Terms or from any decisions that you make based on information made available to you through this Site.

Advice can only be rendered after the following conditions are met: 1) The delivery of a disclosure statement, and execution of an investment advisory and/or a financial planning contract by the client and the adviser; and 2) Initial Payment of the planning fee or investment advisory fee by the client to the adviser. Furthermore, the information resulting from the use of tools, charts, graphs or other information on this Internet site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Physician Wealth Solutions.

The graphs and charts provided by this website depict general information regarding past performance of various indexes and asset classes. Past performance is never a guarantee of future performance and the charts and graphs on this website are not meant to predict future performance. An investor should not base any investment decisions solely on the information provided by the charts and graphs.

Any subsequent, direct communication by Physician Wealth Solutions with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Physician Wealth Solutions, please contact the United States Securities and Exchange Commission on their website at www.adviserinfo.sec.gov or state securities law administrators for those states in which Physician Wealth Solutions is registered. A copy of Physician Wealth Solutions current written disclosure statement discussing Physician Wealth Solutions business operations, services, and fees is available from Physician Wealth Solutions upon written request.

Physician Wealth Solutions does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Physician Wealth Solutions website or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

ACCESS TO THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS WEBSITE OR ANY THIRD PARTY WEBSITE LINKED TO THIS WEBSITE.

To the fullest extent permissible pursuant to applicable law, Physician Wealth Solutions disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. Physician Wealth Solutions does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Site and does not warrant that the functions contained in this Site will be uninterrupted or error-free, that defects will be corrected, or that the Site will be free of viruses or other harmful components. Physician Wealth Solutions expressly disclaims all liability for errors and omissions in the materials on this Site and for the use or interpretation by others of information contained on the Site.

ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

To the extent that you utilize any economic calculator or similar device contained within or linked to Physician Wealth Solutions web site, the you acknowledge and understand that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Physician Wealth Solutions, or from any other investment professional.

Risks of Investing

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Physician Wealth Solutions) made reference to directly or indirectly by Physician Wealth Solutions in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Physician Wealth Solutions), will be suitable or profitable to your investment portfolio or equal any historical performance level(s).

Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the occurrence of which would have the effect of decreasing historical performance results.

Certain portions of Physician Wealth Solutions’ web site (i.e. blogs, newsletters, articles, commentaries, etc) may contain a discussion of, and/or provide access to, Physician Wealth Solutions (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, do not assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Physician Wealth Solutions or from any other investment professional. Physician Wealth Solutions is not an attorney and no portion of the web site content should be interpreted as legal advice.

Indemnity

You agree, as a condition precedent to your access to Physician Wealth Solutions web site, to release and hold harmless Physician Wealth Solutions, its officers, directors, members, owners, employees, agents, and any third party content providers from any and all adverse consequences, claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of this Site, from your violation of these Terms or from any decisions that you make based on information made available to you through this Site, or resulting from any of your actions and/or omissions which are independent of your receipt of personalized individual advice from Physician Wealth Solutions.

Linked Websites

Regarding links to other websites: The links and the information they include are provided as a courtesy and do not suggest a recommendation or endorsement by Physician Wealth Solutions. When accessing one of these links, you are assuming total responsibility and risk for use of the websites. Physician Wealth Solutions makes no representation as to the completeness or accuracy of information provided at these websites, nor is Physician Wealth Solutions liable for any direct or indirect technical or system issues or any consequences arising out of one’s access to or their use of third-party technologies, websites, information and programs made available through this website. Physician Wealth Solutions has not reviewed or authorized any websites linking to this Site, nor do we take responsibility for any websites linking to this Site.

Physician Wealth Solutions may establish links between this Site and one or more websites operated by third parties. Physician Wealth Solutions has no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of or representation or warranty by Physician Wealth Solutions regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. Physician Wealth Solutions disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from our Site.

Prohibited Uses

Unauthorized use of the Site includes, but is not limited to, unauthorized entry into Physician Wealth Solutions system and misuse of passwords or any other information and is strictly prohibited. Accordingly, you may not attempt to gain unauthorized access to the Site, computer systems, or networks connected to the Site through hacking, password mining, or any other means.

Trademarks, Copyrights and other Intellectual Property

The content contained on this Site is owned or licensed by Physician Wealth Solutions and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or link this Site, including any text, graphics, video, audio, software code, user interface design or logos. You may not distribute, modify, transmit, reuse, repost, or use the content of this Site for public or commercial purposes, including all text, images, audio, and video, without Physician Wealth Solutions written permission. Modification or use of the materials for any other purpose violates Physician Wealth Solutions intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this Site are proprietary to Physician Wealth Solutions and/or their respective owners. Nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Site without the written permission of Physician Wealth Solutions or such other third party that may own the trademark displayed on this Site. Your use of the trademarks displayed on this Site, except as provided herein, is strictly prohibited.

The use of the images displayed on this Site by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Privacy Policy

For The Public

E-mail addresses: Physician Wealth Solutions Inc. (PWS) will not give, sell, rent, lend or otherwise distribute your e-mail address for purposes other than communications between you and PWS. We will make a reasonable effort to give you an opportunity to unsubscribe from lists we may maintain.

Website: Internet cookies are a feature of web browser software that can gather information about website visitors and allows web servers to recognize the computer used to access a website. PWS will not use, collect, or store cookies during your visit to our website.

For Clients

Maintaining the trust and confidence of our clients is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of PWS.

Information We Collect: In connection with providing investment products, financial advice, or other services, we obtain non-public personal information about you, including:

Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, financial goals, assets and income;

Information about your transactions with us, our affiliates, or others; and

Information received from credit or service bureaus or other third parties, such as your credit history or employment status.

Categories of Information We Disclose: We may only disclose information that we collect in accordance with this policy. PWS does not sell customer lists and will not sell your name to telemarketers.

Categories of Parties to Whom We Disclose: We will not disclose information regarding you or your account with us, except under the following circumstances:

To your authorized Representative and/or his or her manager;

To our parent companies or their affiliates, to the extent permitted by law;

To entities that perform services for us or function on our behalf, including financial service providers, such as a clearing broker-dealer, investment company, or insurance company;

To consumer reporting agencies,

To third parties who perform services or marketing on our behalf;

To your attorney, trustee or anyone else who represents you in a fiduciary capacity;

To our attorneys, accountants or auditors; and

To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries.

How We Use Information: Information may be used among companies that perform support services for us, such as data processors, technical systems consultants and programmers, or companies that help us market products and services to you for a number of purposes, such as:

To protect your accounts from unauthorized access or identity theft;

To process your requests such as securities purchases and sales;

To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer providing services to you and/or Physician Wealth Solutions, Inc.;

To service your accounts, such as by issuing checks and account statements;

To comply with Federal, State, and Self-Regulatory Organization requirements;

To keep you informed about financial services of interest to you.

Our Security Policy: We restrict access to nonpublic personal information about you to those individuals who need to know that information to provide products or services to you and perform their respective duties. We maintain physical, electronic, and procedural security measures to safeguard confidential client information.

Closed or Inactive Accounts: If you decide to close your account(s) or become an inactive customer, our Privacy Policy will continue to apply to you.

Complaint Notification: Please direct complaints to: Setu Mazumdar, President & Chief Compliance Officer, Physician Wealth Solutions Inc., 8775 Lufield Ridge Ct, Las Vegas, NV 89149 phone: (404) 386-7641.

Changes to This Privacy Policy: If we make any substantial changes in the way we use or disseminate confidential information, we will notify you. If you have any questions concerning this Privacy Policy, please contact us at: Physician Wealth Solutions Inc., 8775 Lufield Ridge Ct, Las Vegas, NV 89149 phone: (404) 386-7641.

Client Portfolio Portal Disclaimer

Although the information in the client portfolio portal site has been compiled from data considered to be reliable, the information is unaudited and is not independently verified. We do not guarantee that the material is accurate, complete, or up to date. The charts and graphs contained herein should not serve as the sole determining factor for making investment decisions. To the extent that you have any questions regarding the applicability of any specific issue discussed to your individual situation, you are encouraged to consult with Physician Wealth Solutions or the professional advisor of your choosing.

The financial information contained in the site is not a substitute for the regular monthly statements you receive from the qualified custodian(s) of your account. You are strongly encouraged to compare this information in the client portfolio portal site against the actual account statements received from the qualified custodian(s) of your accounts. If any discrepancy exists between the site and your regular monthly account statement, the account statement should be considered to be the accurate document. However, please contact Physician Wealth Solutions if discrepancies are noted or if you think you have not received your most current account statement(s).

Advisory fee withdrawals from qualified accounts, other than IRAs, and withdrawals from non-qualified tax-deferred accounts, prior to age 59 1/2 may be subject to IRS penalties. In the event that this account was involved in trade activity at the time of billing, the client portfolio site may reflect asset and account values from previous allocations.

Different types of investments and investment strategies (including the investments purchased and/or investment strategies devised by your Advisor) involve varying degrees of risk including the complete loss of principal invested and there can be no assurance that the future performance of any specific investment, investment strategy, or product detailed in the site will increase in value, will be profitable, or will equal any corresponding indicated historical performance level(s).

Results reflect the deduction of advisory fees, brokerage commissions, or fund charges. Results reflect the investment of dividends and other earnings. This information is provided to you in a combined form, solely for your convenience and ease of review.

Past performance is never a guarantee of future results. All investments have investment risks such as fluctuation in investment principal including the complete loss of principal invested.

Site calculations and figures should not be relied upon for tax purposes.

Please immediately notify your Advisor of any changes in your financial situation, risk tolerance, or investment objectives. This information is very important as it is used to monitor your portfolio.

Information pertaining to advisory operations, services, and fees is set forth in the firm’s Form ADV Disclosure Brochure, a copy of which is available from your Advisor upon request. Please also call with any questions you may have, or if you would like to review this report or your current investment strategy.

Business Continuity Disclosure

Physician Wealth Solutions Inc. (PWS) has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

Contacting Us – If after a significant business disruption you cannot contact us as you usually do at 404-386-7641 or via email, you should call our client relationship manager Kim Creque at (720) 353-2441 or her email. If you cannot access us through either of those means, you should contact our custodian and clearing firm TD Ameritrade Institutional at (800) 431-3500 for instructions on how it may provide prompt access to funds and securities, enter orders and process other trade-related, cash and security transfer transactions for you.  

Our Business Continuity Plan – We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our clients to transact business. In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.  

Our business continuity plan addresses: data backup and recovery; all mission critical systems; financial and operational assessments; alternative communications with clients, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our clients prompt access to their funds and securities if we are unable to continue our business.  

Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business promptly. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business as soon as possible. In either situation, we plan to continue in business. However, the ability of PWS to fully function is dependent on outside sources outside of its control, including the availability of electricity, telephones, Internet, transportation, and the functioning of institutions and markets worldwide.  Nothing in PWS’s BCP or this disclosure statement is intended to provide a guarantee or warranty regarding the actions or performance of PWS.

For more information – If you have questions about our business continuity planning, you can contact us at 404-386-7641.