Advisory and financial planning services offered through Chatterton & Associates, a registered investment adviser. Registration with the SEC or any State does not imply that the Advisor possesses a certain level of skill or training, or their approval or endorsement of any service provided by Chatterton.
The Investment Advisor Representatives of Chatterton & Associates also offer securities through Osaic Wealth, Inc., member FINRA/SIPC. Planning You Can Trust is a marketing and communications name for financial and tax planning services offered through Chatterton & Associates and estate planning services offered through The Law Office of James F. Roberts. Listed entities are not affiliated with Osaic Wealth, Inc. Neither Osaic Wealth, Inc., nor its representatives provide tax or legal advice.
Registered Representative may only discuss/ and or transact securities business with residents of the following states: AL, AZ, CA, CO, FL, GA, HI, ID, IL, KS, MD, MI, MN, MS, MT, NC, NV, NY, OK, OR, RI, SC, TN, TX, UT, VA & WA
No offers may be made or accepted from any resident outside the specific state(s) referenced above
IMPORTANT CONSUMER INFORMATION:
A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent, or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
Chatterton & Associates bookkeeping, tax planning, and tax preparation services are not offered as investment services. EAs and CPAs are not registered or licensed to provide investment advice or transactions.
This website is based on the views of Chatterton. Other organizations or persons may analyze investments and the approach to investing from a different perspective than that reflected on this website. Nothing included herein is intended to infer that the approach to investing discussed on this website will ensure any particular investment results.
Investors should consider any investment strategy’s investment objectives, risks, charges, and expenses of any before making an investment decision. This and other information about the investment strategies offered, including additional risks, are contained in Chatterton’s Form ADV Part 2.
Nothing in this website should be considered investment, securities, or insurance advice and is not to be relied upon as the basis for entering into any transaction or advisory relationship or making any investment decision. All investments involve risk, including the possible loss of principal, that clients should be prepared to bear. Chatterton is unable to represent, guarantee, or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to market corrections or declines. Chatterton does not provide legal advice. All individuals are encouraged to seek guidance from qualified professionals regarding their personal situation.
PAST PERFORMANCE OF ANY INVESTMENT, INVESTMENT STRATEGY, OR INVESTMENT STYLE IS NOT INDICATIVE OF FUTURE PERFORMANCE.
Social Media Disclosure:
Chatterton’s published content on any social media platform, including but not limited to LinkedIn, Facebook, Instagram, Twitter and YouTube, is not an offer to sell or a solicitation of an offer to buy any products offered by Chatterton. All content we publish is for educational, entertainment, and informational purposes only. We don’t provide any sort of investment advice or recommendations to invest in any investment product on social media, or anywhere else. Chatterton is not affiliated with any social media platform, nor are we responsible for the privacy policies of the social media platforms used. Please do not publish or send us any personal or confidential information via our social media accounts including account information, security questions or personally identifying information. For questions, contact us at 714-572-2050.
Comments on social media are reviewed for regulatory reasons. We reserve the right to remove or delete any comments, for any reason, including but not limited to: spam; harsh language; promotions for any type of business; messages that are not relevant to Chatterton; testimonials; recommendations about specific securities or products; or investment advice. Comments posted on our social media pages are not adopted or endorsed by Chatterton and don’t reflect the views of Chatterton or its employees. We reserve the right to change our terms of social media use and comment moderation policies at any time.
Terms and Conditions:
These terms and conditions are between you and Chatterton (“we,” or “us”), and they apply to and govern your use of Chatterton’s website, located at https://gainspoletti.com (the “Site”). Your use of the Site signifies your agreement to be bound by these terms and conditions. If you do not agree to be bound by these terms and conditions of use, you may not access or otherwise use the Site. Chatterton may periodically change these terms and conditions, and any such changes will be effective immediately upon posting. We suggest that you periodically check these terms and conditions for changes. You may contact Chatterton with questions about the terms and conditions of this User Agreement. Visit the Site’s Contact page to send an email.
Limited License and Restriction on Use
Chatterton grants you a revocable, non-exclusive, non-transferable, limited right to access, use, display, and print the pages within the Site and the materials thereon for your personal and informational use only, provided that you comply fully with these terms and conditions of use, as well as any other rules, procedures, policies, terms, or conditions that govern all or any portion of the Site. At any time, and for any reason, we may revoke your right to use all or any portion of the Site. You shall not:
- modify, delete, copy, reproduce, repackage, publish, broadcast, license, transmit, distribute, display, perform, redeliver, frame, create derivative works from, participate in the transfer or sale of, post on the Web, or exploit the Site, or any portions thereof, including, without limitation, any text, images, articles, photographs, illustrations, audio, video clips, graphics, interface information, data, tools, products, and other content or other materials on, generated by, or obtained from the Site (together, “”Content””), without our express written permission; violate or attempt to violate the security of the Site in any way through any means or device, including, without limitation, spamming, hacking, or uploading computer viruses or time bombs, or through the means expressly prohibited by any provision of these terms and conditions of use; use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, copy, or harvest data from any part of the Site; take any action that damages or disrupts the functioning of the Site or our systems, or that imposes an unreasonably or disproportionately large load on our infrastructure; decompose, decompile, reverse-engineer, disassemble, or otherwise deconstruct all or any portion of the Site; or remove any copyright, trademark, or other proprietary notice or legend contained on (or printed from) the Site.
Links
The Site may contain links and pointers to other websites and resources (the “Linked Sites”). These links are provided for your convenience and for your reference only. These links do not constitute an endorsement by or association with Chatterton or any third-party resources or their contents. Hyperlinks do not imply that Chatterton is affiliated or associated with or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the hyperlinks, or that any Linked Sites are authorized to use any trademark, trade name, logo, or copyright symbol of Chatterton. If you access any Linked Site through the Site or otherwise, you do so at your own risk. Chatterton is not responsible for information on any Linked Site that is referred to, or accessible or connected by hyperlink to, the Site.
Information and Content
All content is for informational purposes only. Nothing on the Site is an offer or solicitation to buy or sell any security or other similar product. Although the Site may include investment related information, nothing on the Site is a recommendation that you purchase, sell, or hold any security or other investment, or that you pursue any investment style or strategy. You will use the Content at your own risk and bear the sole responsibility of evaluating the merits and risks associated with the use of any Content on this Site before making any decisions based on such Content. We do not give any advice or make any representations through the Site as to whether any security or investment is suitable to you or will be profitable. Nothing on the Site is intended to be, and you should not consider anything on the Site to be, investment, accounting, tax, or legal advice. Dated Content speaks only as of the date indicated or published. We make reasonable efforts to provide accurate Content, but at times we may not promptly update or correct the Site even if we are aware that it is inaccurate, outdated, or otherwise inappropriate. You agree that we are not liable for any action you take or decision you make in reliance on any Content.
Professional Designations and Certifications:
CERTIFIED FINANCIAL PLANNER®
A CFP® is a professional certification granted by the Certified Financial Planner Board of Standards, Inc. ("CFP Board"). To attain the right to use the CFP® mark, an individual must attain a bachelor's degree from a US college or university and complete a college level course of study covering financial planning topics including insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. The individual must also pass a comprehensive 10-hour exam, complete at least three years of full-time financial planning related experience and agree to be bound by the CFP® Board's Standards of Professional Conduct. In addition, to maintain the right to continue to use the mark, an individual must complete 30 hours of continuing education every two years and continue to agree to be bound by the Standards of Professional Conduct.
Chartered Financial Consultant® (ChFC®)
The ChFC® designation is offered by The American College. Designation holders are required to serve clients with the highest level of professionalism. The authority to use the ChFC® mark is granted by the Certification Committee of the Board of Trustees of The American College, and that privilege is contingent on adherence to strict ethical guidelines. All ChFC® advisors are required to do the same for clients that they would do for themselves in similar circumstances, the standard of ethical behavior most beneficial for their clients. Each ChFC® has taken 9 or more college-level courses on all aspects of financial planning. The average study time for the program is over 400 hours, and advisors frequently spend years earning this coveted distinction. Each ChFC® must also complete a minimum of 30 hours of continuing education every two years and must meet extensive experience requirements to ensure that you get the professional financial advice you need.
Wealth Management Certified Professional® (WMCP®)
The WMCP® designation is offered by The American College. Designation holders are taught the skills to construct goal-based frameworks for building efficient investment portfolios for various client needs. Certificate holders must complete three courses in Goal-Based Planning, Efficient Investment Portfolios, and Strategic Wealth Management, pass a comprehensive proctored examination, and agree to adhere to The American College Code of Ethics and Procedures. Designees are required to complete continuing education courses every two years to maintain their knowledge of current practices in portfolio construction.
Retirement Income Certified Professional® (RICP®)
The RICP® is offered by The American College for individuals that wish to specialize and gain additional knowledge and practice in constructing plans and strategies for those in and nearing retirement. The coursework focuses on income planning that incorporates Social Security, tax planning, and portfolio withdrawal strategies in coordination with Medicare and long-term care planning. To achieve the designation, designees must complete coursework, pass a comprehensive proctored examination, and agree to adhere to The American College Code of Ethics and Procedures. Designees are required to complete 15 hours of continuing education every two years.
Chartered Special Needs Counselor® (ChSNC®)
The ChSNC® program teaches experienced financial professionals the technical and collaborative skills necessary to help clients make plans for the future security of a loved one who has special needs. To receive the ChSNC® designation, students must successfully complete all courses in the program, meet experience requirements, and hold a CLU®, ChFC®, CFP® certification, or MSFS degree. They must also adhere to The American College of Financial Services Code of Ethics and comply with The College’s Professional Recertification Program. If a student does not have a generalist designation (CLU®, ChFC®, or CFP®) and wants to become a ChSNC®, they must take and pass a challenge exam in order to meet this requirement. This designation requires 15 hours of continuing education every two years through The American College’s PACE recertification program.
Certified Plan Fiduciary Advisor® (CPFA®)
The CPFA designation is awarded by the National Association of Plan Advisors (NAPA) to financial advisors who meet high standards of education, experience and integrity. The Certified Plan Fiduciary Advisor credential was developed by some of the nation’s leading advisors and retirement plan experts and demonstrates a knowledge, expertise and commitment to working with retirement plans. Plan advisor who earn their CPFA demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities. The comprehensive CPFA examination covers a wide range of subject matter: ERISA Fiduciary Roles and Responsibilities, ERISA Fiduciary Oversight, ERISA Plan Investment Management, and ERISA Plan Management. In addition, designees must agree to devote a minimum of twenty (20) hours, including two (2) CE credits on ethics/professionalism topics, per year to continuing professional education in the field of personal finance and professional practice management.
National Social Security Advisor® (NSSA®)
The National Social Security Advisor® designation is issued by the National Social Security Association and is accredited by the Institute for Credentialing Excellence. The designees are required to complete coursework consisting of 19 modules that cover the nuances of Social Security qualifications and strategies to enable advisors to better provide advice to clients and answer questions about how to best optimize their benefits depending upon their specific situation and goals. Certificants must complete the coursework, pass a comprehensive proctored examination, agree to adhere to the National Social Security Association Code of Ethics, and complete 8 hours of continuing education every two years.
Certified Life Underwriter® (CLU®)
The Certified Life Underwriter designation is issued by the American College of Financial Services and encourages holders to adhere to high standards. CLU designees demonstrate subject matter in life insurance, estate planning and business planning. There are no prerequisite courses required to begin the CLU® Program, and no admissions requirements other than a high school diploma or the equivalent. Three years of experience in financial planning or a related profession are required to use the designation. To receive the CLU® designation, you must successfully complete the five required courses and agree to comply with The American College Code of Ethics and Procedures. Participation in the annual Professional Recertification Program (PRP) is required to maintain the designation. In addition, each CLU client-facing designee must obtain 30 hours of continuing education every two years, including one hour of ethics. For non-client facing designee they need to complete one hour of ethics continuing education every two years.
Certified Exit Planning Advisor® (CEPA®)
The Certified Exit Planning Advisor designation is a credentials for financial advisors and other professionals who help business owners plan for a successful transition. This designation is issued by the Exit Planning Institute. Designation holders are taught the skills to identify potential opportunities for growth and maximize the value of the business. To become a Certified Exit Planning Advisor (CEPA), you need to have at least five years of relevant experience, an undergraduate degree or equivalent experience, be a member of the Exit Planning Institute in good standing, and complete a four-day course, followed by a proctored exam. Designees are required to complete 40 hours of continuing education every three years.
Behavioral Financial Advisor® (BFA®)
The Certified Exit Planning Advisor designation is issued by think2perform organization. Behavioral Advisors focus on behavioral aspects of financial decision-making. The advisor can help by empathizing with the client and helping them navigate concerns. Candidates must complete of two courses related to behavioral finance and take a proctored, closed book final exam. The designee has to complete 20 hours every two years of continuing education courses. In addition to the completion of two courses related to behavioral finance.
Certified Public Accountants (“CPA”)
CPA's are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two year period or 120 hours over a three year period). Additionally, all American Institute of Certified Public Accountants (AICPA) members are required to follow a rigorous Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA's Code of Professional Conduct within their state accountancy laws or have created their own.
Enrolled Agent (“EA”)
Enrolled Agents (EAs) are federally-licensed tax professionals authorized by the U.S. Department of the Treasury to represent taxpayers before the IRS. They specialize in taxation and have unlimited rights to represent taxpayers in various tax matters before any IRS office. Enrolled Agent status is the highest credential awarded by the IRS.
To become an Enrolled Agent, individuals must obtain a Preparer Tax Identification Number (PTIN), pass the Special Enrollment Examination (SEE), apply for enrollment with the IRS, and pass a suitability check. Maintaining EA status requires renewing their designation every three years, completing continuing education hours including ethics, and renewing their PTIN annually.
The National Association of Enrolled Agents (NAEA) is a professional organization that represents EAs, provides education and resources, and supports the profession.
The use of any designation does not imply any approval or endorsement of any service provided by Chatterton. Chatterton is not affiliated with any of the professional designation entities discussed above.
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