These disclosures apply to every educational article published on this site. They sit alongside the site-wide Disclaimer rather than replacing it.
Who publishes this content
Articles on this site are published by Cross Border Wealth Advisors, a company of Gersten Financial Planning Inc., an investment adviser registered with the State of California (CRD 309890). Registration with any state securities authority does not imply a certain level of skill or training.
Nothing here is advice
Nothing in these articles is investment advice, tax advice, legal advice, or immigration advice. Nothing in them is an offer or a solicitation to buy or sell any security.
The articles describe how rules generally work. They do not describe how those rules apply to you. That depends on facts we would need to see, and it often changes the answer.
Figures go out of date
Tax and reporting rules in the United States and in Spain change, and Spanish rules also vary by region. Every figure, threshold, rate and filing date is stated as of the publication date shown on the article. Some will have changed since.
Where an article says a point is unsettled or unconfirmed, that wording is deliberate. Treat it as a reason to seek advice rather than as a conclusion.
How we are paid
Cross Border Wealth Advisors is a fee-only firm and acts as a fiduciary to its advisory clients. We do not sell insurance or investment products. We receive no commissions and no compensation from any product provider.
Where an article names a specific security, fund, insurer or institution, it does so to illustrate a category. It is not a recommendation to buy, sell or use any of them.
No promises
No part of any article should be read as a promise, guarantee or prediction of a particular tax, investment or planning outcome.
Investing involves risk, including the possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining market. Past performance is not indicative of future results.
Any calculation shown is a hypothetical illustration using round numbers to demonstrate a mechanic. It is not a representation of any client’s experience, it is not a projection, and it does not reflect the performance of any actual account. Nothing in these articles describes the experience of any client.
Links to other sites
Web links to third-party sources are provided for the reader’s convenience. Cross Border Wealth Advisors does not control, adopt or endorse the content of linked sites.
More information
Additional information about the firm, including its Form ADV Part 2A brochure and Part 2B brochure supplement, is available at adviserinfo.sec.gov and on request at info@cbwealthadvisors.com.