Legal & Regulatory Disclosures

Website Information

The information provided on this website is for educational and informational purposes only and should not be construed as financial, investment, tax, legal, accounting, or insurance advice. The information presented is general in nature and may not be appropriate for every individual or situation.

Nothing on this website constitutes an offer to sell or a solicitation to purchase any security, insurance product, or investment advisory service.

Educational Services

Planning Affiliates LLC provides educational programs, financial wellness resources, planning tools, worksheets, presentations, and related educational materials designed to promote financial literacy and informed decision-making.

Educational materials are not individualized recommendations and should not be relied upon as a substitute for professional advice tailored to your personal circumstances.

Participation in educational programs, workshops, webinars, consultations, or other communications does not establish an investment advisory, financial planning, insurance, fiduciary, or client relationship.

Investment Advisory Services

Investment advisory services are offered through Latitude Advisors, LLC, an SEC Registered Investment Adviser.

Planning Affiliates LLC and Latitude Advisors, LLC are separate and independent companies.

Investment advisory services are provided only pursuant to a written advisory agreement and where permitted by applicable law.

Registration with the Securities and Exchange Commission does not imply a certain level of skill or training.

Insurance Services

Insurance products and services are offered only by appropriately licensed insurance professionals.

Products and services are available only in jurisdictions where properly licensed and may not be available in every state.

Product availability is subject to applicable underwriting guidelines, policy terms, and carrier approval.

CFP® Certification

The CFP® certification marks are owned by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

Any reference to the CFP® certification on this website refers only to individuals who have earned and maintain the certification. Planning Affiliates LLC is not certified by, affiliated with, or endorsed by the CFP Board.

No Professional Relationship

Viewing this website, requesting information, attending educational programs, scheduling appointments, downloading resources, or communicating with Planning Affiliates LLC does not establish an investment advisory, financial planning, insurance, fiduciary, or client relationship.

Professional services are provided only under separate written agreements where applicable.

Third-Party Content

Links to third-party websites are provided for convenience only. Planning Affiliates LLC does not control or guarantee the accuracy, completeness, or security of information provided by third parties.

Accuracy of Information

Information presented is believed to be reliable; however, Planning Affiliates LLC makes no representation or warranty as to its accuracy, completeness, or timeliness. Visitors should consult qualified professionals regarding their individual financial, tax, legal, or insurance needs before making financial decisions.