Important Disclosure

Empirical Financial Services, LLC, D/B/A Empirical Wealth Management (“Empirical”) is a Securities and Exchange Commission (“SEC”)-registered investment adviser located in Seattle, Washington.

Empirical is in compliance with the current regulatory requirements imposed upon SEC-registered investment advisers  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.

This website may contain links to third-party websites.  These links are provided solely as a convenience to you and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification, or monitoring by Empirical of the contents on such third-party websites.  Empirical is not responsible for the content of any website owned by a third party that may be linked to this website regardless of whether the link is provided by Empirical or a third party. Empirical does not prepare or maintain, has not and will not review or update, and does not guarantee the accuracy, timeliness, completeness, suitability, reliability, or usefulness of any information contained on a linked third-party website.  If you decide to access linked third-party websites, you do so at your own risk.  Furthermore, no representation or warranty is provided for any software that you may download from a link from this website.

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.  Any opinions expressed herein are Empirical’s opinions and do not reflect the opinion of any affiliates.  Furthermore, all opinions are current only as of the date of the distribution to the intended recipient and are subject to change without notice.  Empirical does not have any obligation to provide revised opinions in the event of changed circumstances.

Returns presented may contain for hypothetical back-tested performance returns, which do not represent the returns of any actual accounts, and are presented for informational purposes only.  Hypothetical back-tested performance is not indicative of future returns and should not be relied upon as a guarantee of future results.  All investing involves risk of loss, including the possible loss of all amounts invested.  Results do not include the impact of taxes, if any. Performance is net of 1% Empirical management fee. Total return reflects the reinvestment of dividends and other account earnings.  Because hypothetical back-tested performance returns do not reflect actual trading activity, they do not reflect tolerances for risk or for loss that might have impacted investment decisions if actual assets were at risk.  Furthermore, hypothetical back-tested performance returns are based, in part, on assumptions/rules, which may not be considered reasonable, and which may not have been realized if the performance represented actual returns.  Furthermore, changes to the assumptions/rules or techniques may result in significantly different results, which may prove to be a more accurate illustration and the assumptions/rules used to create the hypothetical back-tested performance returns can be adjusted at any time, for any reason, and can continue to be changed until desired or better performance results are achieved.  Consequently, hypothetical back-tested performance returns will invariably show positive returns.  Additionally, hypothetical back-tested performance returns do not reflect the impact of certain economic conditions and/or market factors, which might have had an effect on investment decision making if actual assets were at risk.  Finally, hypothetical back-tested performance returns are not subject to additions and/or withdrawals of account capital.  Consequently, actual accounts managed according to the investment strategy may have substantially different performance returns depending on the timing of such transactions in relation to the direction of the market.

Investors should consider the investment objectives, risks, charges and expenses of the investment strategy before investing.  You should read all applicable disclosure information carefully before investing.

Fees and expenses are only one of several factors that should be considered when making investment decisions.  The cumulative effect of fees and expenses can substantially reduce the growth of an account. Different types of investments involve varying degrees of risk.  The investment return and principal value of securities will fluctuate based on a variety of factors, including, but not limited to, the type of investment, the amount and timing of the investment, changing market conditions, currency exchange rates, stability of financial and other markets, and diversification.  There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment.  No investment strategy can guarantee profit or protection against loss in periods of declining values.  No assurance can be given that capital market assumptions will prove to be correct, and the difference between assumptions and actual conditions could vary materially.  When comparing the performance of different managers, bear in mind that there may be differences in the investment styles of managers even though they may be grouped in the same category.  The decision to hire a manager should not be based on performance alone.

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.

The website may contain forward-looking statements within the meaning of the federal securities laws. Forward-looking statements are those that predict or describe future events or trends and that do not relate solely to historical matters. For example, forward-looking statements may predict future economic performance, describe plans and objectives of management for future operations and make projections of revenue, investment returns or other financial items. A prospective investor can generally identify forward-looking statements as statements containing the words “will,” “believe,” “expect,” “anticipate,” “intend,” “contemplate,” “estimate,” “assume” or other similar expressions. Such forward-looking statements are inherently uncertain, because the matters they describe are subject to known (and unknown) risks, uncertainties and other unpredictable factors, many of which are beyond Empirical’s control. Actual results could and likely will differ, sometimes materially, from those projected or anticipated. We are not undertaking any obligation to update or revise any forward-looking statements whether as a result of new information, future events or otherwise. You should not take any statements regarding past trends as a representation those trends or activities will continue in the future. Accordingly, you should not put undue reliance on these statements.

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.

We do not collect personally identifiable information about you when you visit our website, unless you voluntarily provide it to us by sending us an email.  If you choose to share with us personal information, we will retain it in our electronic communications archive.  Even if you do not share personal information with us, our website still may collect some information about you that does not personally identify you.  We are not unique in this regard, as this is a common practice of many businesses’ websites.  For example, we use a service provider to gather internet addresses that bring visitors to our website, IP addresses of visitors to our website, statistics about which pages on our website are most often visited, dates and times our website is visited, how long visitors remain on each page, general geographic information about website visitors, types of browsers and devices used to access our website, etc.  Our service provider uses cookies to collect this data and provides us with statistics in an aggregated format.  We use these statistics in our ongoing efforts to improve our website.  If you want to prevent cookies from being set on your device or to opt-out of this type of data collection, you can change your internet browser’s configuration or settings.  By using our website, you consent to this policy.  If you have any questions or suggestions, please feel free to contact us by one of the methods provided on the “Contact Us” page.

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