Regulatory and risk disclosures for Studdard Financial, LLC.
Studdard Financial, LLC is an investment adviser registered with the State of Tennessee. Registration does not imply endorsement by any government or regulatory authority or a particular level of skill or training.
This material is provided for general educational and informational purposes only. It is not individualized investment, tax, or legal advice and does not constitute a recommendation, offer, or solicitation to buy or sell any security or adopt any investment strategy. Nothing in this material creates an investment-advisory relationship. Advisory services are provided only under a written agreement after evaluating a client’s individual circumstances. Studdard Financial, LLC conducts investment-advisory business only in states where it is properly registered, has made any required notice filings, or qualifies for an applicable exemption or exclusion from registration. This website is not intended as a solicitation in any jurisdiction where Studdard Financial, LLC is not authorized to conduct business. Registration does not imply endorsement by any government or regulatory authority or a particular level of skill or training.
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results, and no investment strategy can assure a profit or protect against loss. The FDIC does not insure money invested in stocks, bonds, mutual funds, or municipal securities. Preferred stocks can lose value, and dividend payments are not guaranteed. Information is obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed.
Investing in foreign securities involves risks beyond those generally associated with U.S. investments. These risks may include changes in currency exchange rates, political or economic instability, trade restrictions, capital controls, foreign taxation, differing accounting and disclosure standards, and less-developed regulatory, legal, auditing, settlement, or custody systems. Foreign markets may also be more volatile or less liquid, making securities harder to value, purchase, or sell at a favorable price. Foreign companies may provide less timely or complete information than U.S. issuers, and investors may have limited legal remedies or difficulty enforcing judgments in foreign jurisdictions. American depositary receipts, international funds, and foreign securities traded in the United States may reduce certain operational difficulties but do not eliminate the underlying foreign-market and currency risks. These risks may be substantially greater in emerging and frontier markets. Investors should understand the countries, currencies, market structure, expenses, tax consequences, and concentration risks associated with a foreign investment. Additional information is available in the SEC’s guide to international investing and its special risks.
Investing in Inverse and leveraged exchange-traded funds are specialized investments with risks that differ from traditional ETFs. Most are designed to achieve a stated investment objective for a single trading day and reset their exposure daily. Because of compounding and market volatility, results over periods longer than one day can differ substantially from—and may move contrary to—the stated multiple or inverse of the underlying benchmark’s cumulative return. These funds may use derivatives and can experience significant or sudden losses, higher expenses, tracking differences, reduced tax efficiency, and increased volatility. They are generally not designed as long-term, buy-and-hold investments and require careful, ongoing monitoring. Investors should read the fund’s prospectus, understand its daily objective and holding-period risks, and consider whether the investment is appropriate for their objectives, time horizon, and tolerance for loss.
Investing in options involve substantial risk and are not suitable for every investor. An option buyer may lose the entire premium paid if the option expires worthless. An option writer may be assigned and required to buy or sell the underlying security at an unfavorable price. Certain strategies, including uncovered call writing, can expose the investor to theoretically unlimited losses, while other options strategies may produce losses substantially greater than the income received. Options are affected by movements in the underlying investment, time remaining until expiration, market volatility, interest rates, liquidity, and other factors. Options can lose value rapidly because of leverage and time decay. Assignment may occur before expiration, and closing a position may not always be possible at a favorable price. Spreads, covered calls, protective puts, and other multi-leg strategies can reduce certain risks but do not eliminate the possibility of loss. Before buying or selling options, investors should read the Options Clearing Corporation’s Characteristics and Risks of Standardized Options. Investors should understand the specific strategy, maximum potential gain and loss, assignment obligations, transaction costs, and tax consequences before entering an options position.
Tax laws, market conditions, and investment information may change. Consult qualified financial, tax, and legal professionals before acting.
If you desire to a copy of our Form ADV, Part 2A brochure or a copy of our privacy policy, please contact us at (901)355-4713 or via email at byron@studdardfinancial.com.
Studdard Financial, LLC is an investment adviser registered with the State of Tennessee. You can review the firm’s registration and Byron Studdard’s professional record at adviserinfo.sec.gov and FINRA BrokerCheck.
Call (800) 989-3806 or email byron@studdardfinancial.com for a copy of our Form ADV Part 2A Brochure or our Privacy Policy.
