Important Disclosure

Empirical Financial Services, LLC is an SEC registered investment adviser located in Seattle, Washington.  Read Empirical’s form ADV Part 2.

Empirical and its investment adviser representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Empirical maintains clients. Empirical may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Empirical’s Website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Empirical’s Website on the Internet should not be construed by any consumer and/or prospective client as Empirical’s solicitation to effect, or attempt to effect transactions in securities, an offer to sell securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Empirical 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 Empirical, please contact the SEC or the state securities law administrators for those states in which Empirical maintains a notice filing. A copy of Empirical’s current written disclosure statement discussing Empirical’s business operations, services, and fees is available from Empirical upon written request. Empirical does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Empirical’s Website or incorporated herein, and takes no responsibility thereto. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

Performance was calculated using hypothetical results. Although we have done our best to present this information fairly, hypothetical performance is still potentially misleading. Hypothetical data does not represent actual performance and should not be interpreted as an indication of actual performance. This data is based on transactions that were not made. Instead, the trades were simulated, based on knowledge that was available only after the fact and thus with the benefit of hindsight. Results do not include the impact of taxes, if any. Performance is net of 1% Empirical management fee. Total return includes interest and dividends.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by Empirical) or product made reference to directly or indirectly by Empirical on its Website, or indirectly via a link to an unaffiliated third party Website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. 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 incurrence of which would have the effect of decreasing historical performance results.  Indexes and/or benchmarks are unmanaged and cannot be invested in directly.

Empirical does not guarantee the accuracy and completeness of the information on this Website and such information is provided on an “as is” basis.  The information provided on this Website is proprietary.  Certain portions of Empirical’s Website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Empirical’s  positions and/or recommendations (and those of other investment and non-investment professionals) as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current positions and/or recommendations. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Empirical, or from any other investment professional. Empirical is neither an attorney nor accountant, and no portion of the Website content should be interpreted as legal, accounting or tax advice. Furthermore, the prospective client is solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for the prospective client based on the prospective client’s investment objectives and personal and financial situation. The prospective client should consult with an investment professional, or an attorney or tax professional regarding their specific investment, legal or tax situation.

Opinions expressed on this site or in the articles accessible are subject to change without notice and, due to the rapidly changing nature of the security markets, may quickly become outdated.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Empirical’s Website, the client and/or prospective client acknowledges and understands 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 Empirical, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Empirical’s Website, to release and hold harmless Empirical, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Empirical.