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Disclosure


The material on this website has no regard to the specific investment objectives, financial situation, or particular needs of any visitor. It is published solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. References made to third parties are based on information obtained from sources believed to be reliable but are not guaranteed as being accurate. Visitors should not regard it as a substitute for the exercise of their own judgment. Any opinions expressed in this site are subject to change without notice and Conceptual Financial Planning, Inc. is not under any obligation to update or keep current the information contained herein.  Conceptual Financial Planning, Inc. accepts no liability whatsoever for any loss or damage of any kind arising out of the use of all or any part of this material. Our comments are an expression of opinion. While we believe our statements to be true, they always depend on the reliability of our own credible sources. We recommend that you consult with a licensed, qualified investment advisor before making any investment decisions.
RELATIONSHIPS

Securities offered through WRP Investments, Inc., a Broker/Dealer, member FINRA/SIPC. Conceptual Financial Planning, Inc. and Conceptual Investment Advisors, Inc. are not affiliated with WRP Investments, Inc. Securities activities are supervised by WRP Investments, Inc. at 4407 Belmont Avenue, Youngstown, OH 44505 (330) 759-2023.
 
Charles Kranzusch is licensed for such securities activities for residents of the following states: AZ, CA,  FL, IL, KY, MI, MN, MO, VA, WI.  Chad Nehring is licensed for such securities activities for residents of the following states: WI, CA
 

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

NO WARRANTY OR GUARANTEE IMPLIED
No warranty or guarantee is given regarding the accuracy, reliability, veracity, or completeness of the information provided here or by following links from this or any other page within Conceptual Financial Planning, Inc.'s site, and under no circumstances will the author or service provider be liable for any loss including but not limited to direct, indirect, incidental, special or consequential damages caused by using the information, or as a result of the risks inherent in the stock market.

The information contained herein is based on sources we believe reliable, but its accuracy is not guaranteed.  Other commentators may express their market views on this site. Their opinions are not necessarily those of Charles Kranzusch, Chad Nehring, WRP Investments, Inc., Conceptual Financial Planning, Inc.or Conceptual Investment Advisors, Inc. More complete information, including all research, is available upon request. Past performance is no guarantee of future results.

LIMITATION OF LIABILITY
Conceptual Financial Planning, Inc, its content providers, employees, officers and directors (called the Company)
SHALLNOT BE LIABLEfor any incidental, indirect, consequential or special damages, including loss of revenue or income, pain and suffering, emotional distress that result from the use of, or the inability to use, the materials in this site, or similar damages even if the Company has been advised of the possibility of such damages. The Company is not responsible for the content provided by editorial contributors to Conceptual Financial Planning, Inc. It is their responsibility to adhere to copyright and trademark laws regarding submissions to Conceptual Financial Planning, Inc.

SPECIAL NOTICE TO VISITORS
If you intend to read hyperlinked news articles, messages, commentary, editorial content, alerts or other information from these sites concerning companies, stock quotes, investments or securities, please note the following:

Your use of this site is at your sole discretion and risk.The Company makes no warranty that

(a) the site will meet your requirements and 
b) the site will be uninterrupted, secure, or error-free.

                                        

©2013 Conceptual Financial Planning, Inc. All rights reserved.
Securities offered through WRP Investments, Inc., a Broker/Dealer, Member FINRA/SIPC. Charles R. Kranzusch, CFP (R), LTCP & Chad L. Nehring, CFP(R), RFC(R), Registered Representatives. Securities activities supervised through WRP's home office located at 4407 Belmont Dr., Youngstown, OH 44505 (800) 589-2023. Advisory Services offered through Conceptual Investment Advisors, Inc. a Registered Investment Advisor. Conceptual Financial Planning/Conceptual Investment Advisors, Inc. and WRP Investments, Inc. are not affiliated.