Important Information About Ivory Oak Capital

This page contains important disclosures about Ivory Oak Capital's financial advisory services. Please read this information carefully before engaging our services. If you have questions about any of these disclosures, please contact us.

1. Not Investment Advice

The information provided on this website is for general informational and educational purposes only. It does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the website's content as such.

Ivory Oak Capital does not recommend that any investment decision be made based solely on information found on this website. Before making any investment decisions, you should conduct your own research, perform your own analysis, and/or consult with a qualified financial professional.

An advisory relationship is only established through a formal written agreement. Information on this website does not create an advisor-client relationship.

2. Investment Risk Disclosure

All investments involve risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives, generate profits, or avoid losses.

Investment risks include, but are not limited to:

• Market Risk: The value of investments can fluctuate due to market conditions, economic factors, and investor sentiment
• Interest Rate Risk: Changes in interest rates can affect the value of fixed-income securities
• Credit Risk: The risk that a bond issuer may default on payments
• Inflation Risk: The risk that inflation will erode the purchasing power of your investments
• Liquidity Risk: The risk that you may not be able to sell an investment quickly at a fair price
• Concentration Risk: The risk associated with having a large portion of your portfolio in a single investment or asset class

Different types of investments carry different levels of risk. Generally, investments with higher potential returns also carry higher levels of risk.

3. Past Performance Disclosure

Past performance is not indicative of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. Investment results will fluctuate and are subject to market volatility.

Case studies and examples presented on this website are for illustrative purposes only and do not represent actual client results or guarantee future performance. Individual results may vary significantly based on personal circumstances, market conditions, and timing.

4. No Guarantee of Results

Ivory Oak Capital makes no guarantees or promises regarding investment performance, financial outcomes, or the achievement of financial goals. While we strive to provide high-quality financial advice and planning services, we cannot guarantee specific results.

Financial planning and investment management involve uncertainty, and actual results may differ materially from projections or expectations.

5. Testimonials and Endorsements

Testimonials appearing on this website may not be representative of the experience of all clients. Client experiences may vary, and testimonials are not a guarantee of future performance or success.

Testimonials have been provided voluntarily and no compensation was provided in exchange for these testimonials. However, clients providing testimonials may benefit from ongoing advisory services.

The experiences described in testimonials are specific to those clients and may not be representative of the experiences of other clients. Your individual results may differ.

6. Regulatory Information

Registration Status: [Include information about SEC registration, state registration, or RIA status as applicable]

Form ADV: Ivory Oak Capital's Form ADV Part 2A (firm brochure) and Part 2B (brochure supplement) are available upon request and contain important information about our advisory services, fees, conflicts of interest, and disciplinary history. You may request a copy by contacting us or by visiting the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

Licensing: Dylan T. Franzten holds the following professional designations and licenses: [List relevant licenses, certifications, and designations]

7. Fee Structure and Compensation

Ivory Oak Capital is compensated for advisory services through [describe fee structure: assets under management fees, hourly fees, flat fees, etc.]. Detailed information about our fee structure is provided in our Form ADV Part 2A and in client agreements.

Fees are negotiable in certain circumstances. The specific fee arrangement will be disclosed in your advisory agreement before services begin.

Conflicts of Interest: We may receive compensation from third parties in connection with certain investments or services. All material conflicts of interest are disclosed in our Form ADV Part 2A.

8. Fiduciary Duty

When providing investment advisory services, Ivory Oak Capital acts as a fiduciary and is required to act in the best interest of our clients. This means we must:

• Put your interests ahead of our own
• Provide advice that is in your best interest
• Disclose all material conflicts of interest
• Provide full and fair disclosure of all material facts

However, our fiduciary duty does not eliminate all conflicts of interest or guarantee investment success.

9. Third-Party Information

This website may contain information, data, or opinions from third-party sources. While we believe these sources to be reliable, we do not independently verify all third-party information and make no representations or warranties regarding its accuracy, completeness, or timeliness.

Links to third-party websites are provided for convenience only. We do not endorse or control the content of external websites and are not responsible for their accuracy, privacy practices, or terms of service.

10. Forward-Looking Statements

This website may contain forward-looking statements regarding economic conditions, market trends, or investment strategies. These statements are based on current expectations and assumptions and are subject to significant risks and uncertainties.

Actual results may differ materially from those expressed or implied in forward-looking statements. We undertake no obligation to update or revise any forward-looking statements.

11. Tax and Legal Advice

Ivory Oak Capital does not provide tax or legal advice. While we may discuss tax implications of financial strategies, you should consult with a qualified tax professional or attorney regarding your specific tax and legal situation.

Tax laws are complex and subject to change. The tax information provided on this website is general in nature and may not apply to your specific circumstances.

12. Insurance Products

If insurance products are discussed or recommended, please note that insurance products are not FDIC insured, are not bank deposits, and may lose value. Insurance products are subject to the claims-paying ability of the issuing insurance company.

[If applicable: Dylan T. Franzten is licensed to sell insurance products and may receive commissions on insurance sales. This creates a conflict of interest, which is disclosed in our Form ADV.]

13. Privacy and Data Security

We take the privacy and security of your personal and financial information seriously. Please review our Privacy Policy for detailed information about how we collect, use, and protect your information.

While we implement reasonable security measures, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your information.

14. Minimum Account Requirements

[If applicable: Ivory Oak Capital may have minimum account size requirements for certain services. Please contact us to discuss whether our services are appropriate for your situation.]

15. Termination of Services

Either party may terminate the advisory relationship at any time by providing written notice. Upon termination, you will be responsible for fees incurred up to the termination date, as specified in your advisory agreement.

Termination of the advisory relationship does not affect your ownership of any investments or accounts.

16. Errors and Omissions

While we strive for accuracy, this website may contain technical inaccuracies or typographical errors. We reserve the right to correct any errors or omissions and to change or update information at any time without prior notice.

17. State-Specific Disclosures

[Include any state-specific disclosures required by your state's securities regulations]

18. Questions and Complaints

If you have questions about these disclosures or wish to file a complaint, please contact us:

Ivory Oak Capital
Dylan T. Franzten
Email: dylan.franzten@ivoryoakcapital.com
Phone: +1 (585) 303-9294
Address: 146 BRIDGHAM ST PROVIDENCE RI 02909-1242 USA

You may also contact your state securities regulator or the Securities and Exchange Commission:

Securities and Exchange Commission
Office of Investor Education and Advocacy
100 F Street, NE
Washington, DC 20549-0213
Phone: (202) 551-6551
Website: www.sec.gov

19. Updates to Disclosures

We may update these disclosures from time to time to reflect changes in our services, regulatory requirements, or business practices. Material changes will be communicated to existing clients as required by law.

Please check this page periodically for updates. The "Last Updated" date at the top of this page indicates when these disclosures were last revised.