Disclosures

The material provided is for informational purposes only. Certain content on the site is based on information prepared by third party sources which we generally consider reliable, however we do not represent that any such information is fully accurate or complete. This content is not intended to be used as a general guide to investing, or as a source of any specific investment recommendations. We make no implied or express recommendations concerning investment strategies, or the manner in which any client’s account should or would be managed. As appropriate investment strategies will depend upon each person’s specific circumstances and investment objectives. Past performance is no guarantee of future results. 

This site is published for residents of the United States only. Investment advisor representatives of SAC Investments may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of services referenced on this site are available in every state and through every advisor listed. For additional information, please contact Sam Curmaci at 570-885-6672. 

Links to third-party websites are provided for convenience only. SAC Investments does not endorse nor support the content of third-party links. SAC Investments is not responsible for the content of a third-party website. By clicking on a third-party link, you will leave this website where privacy and security policies may differ from those practiced by SAC Investments. 

Sponsors of 401(k) plans and other types of defined contribution retirement plans with participant-directed investments are subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA), as well as the service providers that work with such plans.  

ASSET ALLOCATION/DIVERSIFICATION

Asset Allocation/Diversification does not guarantee a profit or protect against a loss in a declining market.  It is a method used to help manage investment risk. 

FIXED INCOME RISK

The issuer of a bond may not be able to make interest and principal payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security will decline because investors will demand a higher rate of return. The value of fixed income securities generally decreases when interest rate rise and increases when interest rates fall. 

ETF

Exchange-traded funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. 

MUTUAL FUNDS

Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. 

SAC Investments does not provide tax advice to its clients. All investors are strongly urged to consult with their tax advisors regarding any potential investment. 

For additional information, including fees and the asset allocation methodology can be found on SAC Investments’ Form ADV Part II  (add hyperlinks)