The following disclosures are for Roche Financial Partners, LLC.
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a
profit or protect against loss in periods of declining values. Diversification does not guarantee a profit nor
is it guaranteed to protect assets.
Roche Financial Partners only transacts business in states where it is properly registered or exempted
from registration. Roche Financial Partners does not accept time-sensitive transactional messages,
including orders to buy and sell securities. Do not use email to request, authorize or send securities
Confidentiality Notice: All email transmissions, including any attachments, from Roche Financial
Partners, are intended only for the person or entity to which it is addressed and may contain privileged
and/or confidential material. If the reader of this message is not the intended recipient, you are hereby
notified that any dissemination, distribution, or copy of this message is strictly prohibited. If received in
error, please notify the sender immediately and delete/destroy the message and any copies thereof. This
does not constitute investment advice and is not intended as an offer or solicitation to anyone. It is
presented for information purposes only. The products or services described or referenced herein may
not be suitable or appropriate for the recipient. Many of the products and services described or
referenced herein involve risks and the recipient should not make any decision or enter into any
transaction unless the recipient has fully understood all such risks and has independently determined that
such decisions or transactions are appropriate for the recipient.
Clearing, custody or other brokerage services may be provided by Charles Schwab, Inc.
This website is for informational purposes only and does not constitute a complete description of our
investment services. This website is in no way a solicitation or offer to sell securities. THE
INFORMATION ON THIS WEBSITE IS NOT AN OFFER BY OR ON BEHALF OF ADVISER OR ITS
AFFILIATES TO SELL OR SOLICIT AN OFFER TO BUY ANY SECURITY OR OTHER SERVICES.
The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation
of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute.
Follow-up or individualized responses to consumers in a particular state by Roche Financial Partners in
the rendering of personalized investment advice for compensation shall not be made without our first
complying with jurisdiction requirements or pursuant an applicable state exemption.
Information throughout this website, whether stock quotes, charts, articles, or any other statement or
statements regarding market or other financial information, is obtained from sources which we, and our
suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this
information. Neither we nor our information providers shall be liable for any errors or inaccuracies,
regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof
to the user.
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR
RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY 'LINKED' WEBSITE.
The Company and its investment adviser representatives only transact business in states where they are
properly registered or excluded or exempted from registration requirements. Information on this website
should not be construed as personal investment advice.
Nothing on this website should be interpreted to state or imply that past results are an indication of future
performance. Past performance may not be indicative of future results. Therefore, no current or
prospective client should assume that the future performance of any specific investment, investment
strategy (including the investments and/or investment strategies recommended and/or purchased by
adviser), or product referred to directly or indirectly on this website, or indirectly via link to any unaffiliated
third-party website, will be profitable or equal to corresponding indicated performance levels.
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's investment portfolio. No client or
prospective client should assume that any information presented and/or made available on this website
serves as the receipt of, or a substitute for, personalized individual advice from the advisor or any other
Historical performance results for investment indexes and/or categories generally do not reflect the
deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the
incurrence of which would have the effect of decreasing historical performance results.
Diversification does not protect against loss in a declining market.
Exchange-Traded Funds (ETF’s) and mutual funds are subject to risks similar to those of stocks, such as
market risk, and investors that have their funds invest in accordance with the portfolios may experience
losses. The use of leverage by an exchange-traded fund or mutual fund increases the risk to the fund.
The more a fund invests in leveraged instruments, the more the leverage will magnify gains or losses on
those investments. The value of an investment and the return on invested capital will fluctuate over time
and, when sold or redeemed, may be worth less than its original cost. Additionally, fixed income (bond)
ETF’s or mutual funds are subject to interest rate risk which is the risk that debt securities in a portfolio
will decline in value because of increases in market interest rates. Investments in foreign investments
may incur greater risks than domestic investments.
As part of the advisory billing process, the client's custodian is advised of the amount of the fee to be
deducted from that client's account. On at least a quarterly basis, the custodian is required to send to the
client a statement showing all transactions and holdings within the account during the reporting period, in
addition to any advisory fees paid. Because the custodian does not calculate the amount of the fee to be
deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of
the calculation, among other things.
Clients should contact the advisor directly if they believe that there may be an error in their statement.
We urge our clients to carefully compare the information provided on our statements to statements
provided by their custodian in order to ensure that all account transactions, holdings, and values are
correct and current.
Pursuant to our client agreement and disclosure brochure, Roche Financial Partners does not vote proxy
As a reminder, we may receive proxy voting materials on your behalf, but as a matter of policy, we do not
vote on them. Unless you instruct us otherwise, such materials will be securely discarded on your behalf.
Please contact our office with any questions or concerns.
Roche Financial Partners, LLC is registered with the Securities and Exchange Commission as an
investment adviser. Brokerage and investment advisory services and fees differ, and it is important for
you to understand the differences. Free and simple tools are available to research firms and financial
professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers,
investment advisers, and investing. Registration does not imply a certain level of skill or training.
Investing involves risk. You may lose money. All visuals illustrative only.
The New Jersey Bureau of Securities (“Bureau”), an arm of the Office of the New Jersey
Attorney General, is charged with protecting investors from investment fraud, and regulating the
securities industry in New Jersey. In addition to bringing investigative and enforcement actions
against firms or individuals who violate the New Jersey Uniform Securities Law and regulations
thereunder, the Bureau registers securities offered or sold in New Jersey and oversees the firms
and individuals selling securities or providing investment advice to or from New Jersey.
Investors can also file complaints with the Bureau against individuals and firms selling securities or offering investment advice, as well as companies issuing securities investments